Investor Presentaiton

Results RE SUL TS INVESTOR RELATIONS " " " " " " " " D " " " " " T " " >>>>>> " " " " T (R$ million) 3Q22 3Q22 x 2Q22 9M22 9M22 x 9M21 Net Interest Income 12,598 -1.4% 39,311 -5.2% Fees 4,734 -3.0% 14,233 2.4% Total Revenues 17,332 -1.8% 53,544 -3.3% Allowance for Loan Losses -6,209 8.1% -16,566 63.0% General Expenses -5,691 4.8% -16,656 6.8% Others -2,078 31.1% -6,492 -36.6% Profit Before Taxes 3,354 -31.5% 13,830 -28.6% Taxes and Minority Interest -232 -71.4% -2,619 -62.1% NET PROFIT 3,122 -23.5% 11,211 -10.1% IIIIII Recurrence Ratio ROAA ROAE Efficiency Ratio 9M22 3Q22 +3.5 p.p. QoQ 35.7% +1.2 p.p. YoY 37.4% 85.5% -3.7 p.p. YoY 83.2% -6.7 p.p. QoQ 1.5% -0.2 p.p. YoY 1.3% -0.4 p.p. QoQ [email protected] 0800 286 8484 FAQ www.santander.com.br/faq " " " " 19.0% -2.5 p.p. YoY 15.6% -5.2 p.p. QoQ Bis Ratio 14.5% CET1 O= 11.3% 27

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