Financial Performance Update Q3'22

Opportunities related to innovation through service expansion and business profitability Mortgage Growth of 8% YoY' in the individuals portfolio Share of Digital originations for individuals: c.10% in Q3'22 UseCasa (Home-Equity) Consumer Finance Market share of 23% in loans to individuals in Aug-22 28% of new financing contracts issued by Santander Financiamentos acquire insurance through Santander Auto Insurance Ecosystem Growth of 23% YoY³ in insurance renewals Increase of 24% YoY³ in digital capitalization contracts 1$ Growth of 22% Individuals YoY¹ in individuals portfolio portfolio has a 23% market share² Agro Complete offering Agro ecosystem 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 ComFiança Insurance Offering Unpaid rent insurance and personal accident insurance for MEI customers helpS Assistance Service Expansion into Gamers/Tech and motorcycles Growth of 37% YoY³ in the gross premiums of Auto Compara (1) Sep-22 vs. Sep-21. Santander (2) Jul-22. (3) Q3'22 vs. Q3'21. (4) Internet Banking, Santander App, Way and Portal. 9

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