Investor Presentaiton

ORIGINATION BY MORTGAGES TURNOVER R$ billion CARDS TURNOVER R$ billion GETNET DISTRIBUTION 14.9% 13.6% 13.1% 12.5% 93 11.5% 12% 14% 12% 13% 14% 75 67 69 17% 20% 28% 25% 26% 57 11% 8% 10% 9% 5% 22 47 21 19 225 62 61 59 38 27 53 27 25 23 16 18 61% 58% 51% 53% 55% 44 48 55 38 41 32 36 37 42 34 4Q19 1Q20 2Q20 3Q20 4Q20 4Q19 1Q20 2Q20 3Q20 4Q20 4Q19 1Q20 2Q20 3Q20 4Q20 Debit Credit Debit Credit ■Branches Transfers to Homebuilders ■Brokers Digital -Market share in Turnover¹ LOAN TO VALUE TRANSACTIONS TRANSACTIONS million million 708 734 892 63% 63% 68% 65% 65% 678 617 730 693 541 683 323 364 347 538 516 292 418 267 375 392 289 49% 50% 51% 51% 52% 386 325 330 370 274 312 308 249 301 376 4Q19 1Q20 2Q20 3Q20 4Q20 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 4Q19 1Q20 2Q20 3Q20 4Q20 Debit Credit -Origination (quartely average) Loan portfolio Debit Credit Santander 1 Source: ABECS - Monitor Bandeiras 47

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