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Results NPL Indicators NPL Ratios |||||| O= More information in Earnings Release 3Q22 經酒 NPL 90 days 15 - 90 days 90 days 3.0% +0.58 p.p. YoY 5.9% 5.9% 6.1% 4.1% 5.7% NPL 15-90 days 3.6% 5.0% 5.0% 4.6% 3.3% 3.0% 4.3% +0.92 p.p. YoY 4.1% 4.2% 4.2% 4.3% 3.0% 1.7% 3.1% 3.4% 3.5% 1.2% 1.2% 1.4% 2.7% 4.0% 4.1% 4.3% 2.9% 2.9% 3.0% 2.4% 2.1% 1.9% 1.9% 1.9% 1.5% 4.5% 3Q22 Cost of credit 3 months Cost of credit 12 months 3.8% 3Q22 +1.66 p.p. YoY +1.13 p.p. YoY 1.3% 1.3% 1.4% 1.1% 1.3% 3Q19 3Q20 3Q21 4Q21 1Q22 2Q22 3Q22 0.9% 3Q19 3Q20 3Q21 4Q21 1Q22 2Q22 3Q22 Individuals - Total - Corporate & SMEs - Individuals Total Corporate & SMEs Coverage Ratio Over 90 days 248% 224% 226% Coverage 226% INVESTOR RELATIONS -22.1 p.p. YoY [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 3Q21 2Q22 3Q22 29 Financial Highlights

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