2022 Earnings Presentation

Santander Brasil has a solid strategy, which benefits from being part of a large international group Strategic Priorities KEY DATA 2022 YoY Var.6 Customer loans¹ €92.2bn +7.7% Customer funds² €120.9bn +2.9% Underlying att. Profit €2,544mn -6.7% ROTE³ 3 24.9% -2.8pp Efficiency ratio 32.4% +2.6pp Loans market share4 9.4% -78bps Deposits market share 4,5 10.5% +5bps Total customers 60.1mn +12.5% Digital customers 20.4mn +11.2% Branches 2,847 -3.9% 00 Employees 55,993 +5.9% (1) Gross loans excluding reverse repos. (2) Excluding repos. Expand our customer base and profitability, with robust new customer acquisition dynamics and steady loyalty growth Build a more integrated distribution platform, a benchmark in the market, to strengthen connectivity between businesses ▸ Keep loan quality indicators under control, backed by continuous enhancements to our risk models Consolidate the productivity culture, with a relentless pursuit for operational efficiency Maintain profitability levels by adapting to different scenarios through innovation Santander (3) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 19.2%. (4) As at Sep-22. (5) Including demand, savings and time deposits, LCA (agribusiness notes), LCI (real estate credit notes) and financial bills (letras financeiras). (6) Constant euros. 7

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