Investor Presentaiton

exeg Brazil 'The best way to grow in a profitable, recurring and sustainable manner is by providing high quality services' ■ Strategic priorities 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 Maintain 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 H1'22 Highlights Branches 2,936 00 MA Employees 53,743 Total customers (mn) 56.2 2 Digital customers (mn) 19.8 ■ Customer loans (€ bn) 91 Customer funds (€ bn) 122 Underlying attributable profit (€ mn) 1,365 ROTE¹ 27.8% Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 21.5%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-brasil 28 88

View entire presentation