Investor Presentaiton

PROVIDING US WITH COMFORTABLE LOAN INDICATORS ALLOWANCE FOR LOAN LOSSES (R$ million) | COST OF CREDIT Santander 3.0% 2.6% 3.2% 2.5% 3.6% 2.8% 15,757 12,099 3,200 2,983 2,916 2,883 15,344 14,307 3,585 3,754 3,609 -602 4Q19 I Provisions for loan losses •Cost of credit -837 -727 3Q20 1000 4020 Extraordinary provisions for loan losses • Cost of credit w/o extraordinary provision -2,208 2019 -2,787 2020 Recovery of written-off loans 40

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