2022 Earnings Presentation

Brazilian portfolio well-balanced between individuals and companies while we increased collateralization. 2022 impacted by a one-off, though main individuals' segments improved slightly Individual + CF portfolio breakdown Cost of risk 17% 16% 16% 16% 17% 17% (2% 2% 2% 2% 2% 72% Others 1 Agro 4.50% 4.89% 4.36% 4.06% 3.93% 4.35% 3.73% 4.79% 21% 21% 22% 21% 20% 19% Auto loans 2015 2016 2017 2018 2019 2020 2021 2022 Secured 24% 23% 19% 21% 21% 21% Mortgages I I 13% 16% 21% 21% 20% 21% Payroll loans Unsecured 17% 17% 17% 16% 17% Credit cards 16% Unsecured portfolio 6% 5% 3% 3% 4% 4% Personal loans 2015 2016 2019 2020 2021 2022 Personal loans 21.0% Strong growth of collateralized portfolio weight 18.9% 17.4% 14.0% 12.5% 9.9% 39.2% 36.8% % total 26.4% 28.4% portfolio secured¹ 36.3% 37.0% Credit cards 9.0% 9.4% 7.7% 7.1% 6.1% Secured portfolio 43% Corporates 48% 45% 45% 64% 62% + SMEs 7.42% Auto loans 4.33% 4.53% 5.25% Individuals 57% 52% 55% 55% 4.66% Payroll 4.42% 2.61% 3.45% 2.27% + 36% 38% Consumer Finance Loans 2015 2016 2019 2020 2021 2022 Q4'19 Q4'20 Q4'21 Q4'22 Santander (1) Secured portfolio includes mortgages, payroll loans, auto and agro. 19

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