Investor Presentaiton

Customer base EOE monetization Business expansion Innovation and technology Companies Building the benchmark platform for companies More Customers Greater loyalty R$ 203 billion Wholesale Leadership in trade finance, with a 25% market share FX leader for the 9th consecutive year' 2nd largest independent energy trader 1.3 million active customers (+2% QoQ) (+9% YoY) Share of 13%² Total Revenues (base 100, 1H21) portfolio 143 132 100 Consistent acceleration in the growth of the loan and securities portfolio Expansion of the commodities desk to oil derivatives 2nd place in the agricultural commodities ranking, with a 14.8% share Invisible Banking Partnership with SAP to digitize offerings Tech Hub created in 2019 1,000 companies in the SMES portfolio Global coverage sets us apart SMES Customer growth New customer acquisition to the Bank: 45 thousand/month (+5% YoY) Digital transformation Loyal customers account for 53% of active customers 190 digital channel initiatives in 1H23, providing a more comprehensive, user-friendly, and intuitive experience with new offerings Revenue evolution 10% YoY from cash 26% YoY from "consórcios" Loan portfolio expansion R$ 63.0 billion (+7% YoY) 10% YOY Total revenues INVESTOR RELATIONS 1H21 1H22 1H23 +21% YoY Portfolio³ +7% YoY Revenues 1 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Companies ranging from R$ 30 and 200 million account for 44% of the total SME portfolio (+1 p.p. YoY) 3 NPS 58 points According to the BACEN ranking 2 Among independent traders ³ Considering the AA-H loan portfolio within wholesale and securities 16

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