Investor Presentaiton

Good customer growth and focus on loyalty and profitability Customers (Million) 57.7 56.1 +11% YOY 51.8 +6% 31.1 31.5 YoY 29.7 8.5 7.5 8.6 +14% YOY Sep/22 Total Active Customers with 6 or more products Sep/21 Jun/22 Customer Centricity Revenues (Total) +15% YOY Total customers +26% YoY Active customers +34% YOY Revenue from loyal customers, with revenue 5x higher than non-loyal ones Cost to serve Sales Channels Distribution Innovation ·8. Culture and Profitability 88 People NPS Measured daily across all key businesses 51 points Total 70 points Onboarding Mortgage 78 points % "Consórcios" 89 points Loyalty/Active individual account holders 50% Sep/22 " INVESTOR RELATIONS [email protected] 0800 286 8484 " customers acquired digitally (R$) -37% YoY 28.4 19.5 17.8 గి 3Q21 2Q22 3Q22 FAQ www.santander.com.br/faq Cards 80 points Investment Advisory 67 points 9

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