2022 Earnings Presentation

Business expansion focused on customer experience Mortgage 7% growth YoY' in the Individuals portfolio Share of Digital originations for individuals: 10% in Q4'22 Consumer Finance 23% market share in loans Insurance Ecosystem 8% growth YoY³ in insurance renewals helpS to individuals in Nov-22 30% of new financing contracts issued by Santander Financiamentos Santander Auto 21% growth YoY³ in policies acquired insurance through issued Reached 35,000 contracts in the year Assistance Service 31% increase YoY³ in digital capitalization contracts 16% growth YoY³ in the Auto Compara gross premiums 1 UseCasa (Home-Equity) $ 20% growth YoY in the Individuals portfolio Agro 23% market share² in Individuals Complete Agro ecosystem offering by providing comprehensive solutions along the entire chain, from equipment financing support to agricultural lending >>)) Innovative products & services Select Repositioning Service available to all customers AAA (Associate Allocation Advisor) Strengthening the investment platform Santander Perto Expansion of Sales Points Relaunch of Santander Perto with a new customer service format [] Cards Total turnover increased, despite decrease in card loans Acquisition strategy supported by customers with a better risk profile 99% of new customer additions derived from account holders in Q4'22 Santander (1) Dec-22 vs. Dec-21. (2) Oct-22. (3) 2022 vs. 2021. 9

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