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Investor Presentaiton

KEY ASPECTS OF THE BRAZILIAN MARKET 2015 4Q20 ECONOMIC ACTIVITY PERFORMANCE (%) GDP (%) GRADUAL ECONOMIC 20 10 RECOVERY WEIGHED DOWN BY THE COVID- 0 -3.55 -4.07 19 GLOBAL CRISIS -10 -20 SELIC RATE (%) LOWEST LEVEL IN 14.25 -30 2.00 -40 HISTORY INFLATION (%) ANCHORED EXPECTATIONS 10.67 4.52 FX (BRL/USD) FREE FLOATING EXCHANGE RATE 5.20 3.90 Santander's Estimate¹ Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Industrial production Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Retail sales Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Volume of services SOCIAL INDICATORS +212MM BRAZILIAN POPULATION ESTIMATE IN 2020 13.2%¹ DEC-20 UNEMPLOYMENT RATE -137 bps 4Q20 vs. 3Q20 +222 bps 4Q20 vs. 4Q19 Santander Sources: Brazilian Central Bank and IBGE. 1 Santander Brasil Economic Department Estimative 8.32 1.13 -3.34 st 4
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