Banco Santander (Brasil) SA (NYSE:BSBR) Q2 2022 Earnings Conference Call July 28, 2022 8:30 AM ET Company Participants Gustavo Sechin - Head-Investor Relations Mario Leão - Chief Executive Officer Angel Santodomingo - Chief Financial Officer Gustavo Sechin Hello. Very good morning, everyone. And thank you all for joining us this morning to our Second Quarter Conference Call. I am Gustavo Sechin, Head of Investor Relations of Banco Santander Brasil. Here with me are our CEO, Mr. Mario Leão; our CFO, Mr. Ange ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March, 2022 Commission File Number: 001-34476 BANCO SANTANDER (BRASIL) S.A. (Exact name of registrant as specified in its charter) Avenida Presidente Juscelino Kubitschek, 2041 and 2235 Bloco A – Vila Olimpia São Paulo, SP 04543-011 Federative Republic of Brazil (Address of principal executive office) In ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of February, 2022 Commission File Number: 001-34476 BANCO SANTANDER (BRASIL) S.A. (Exact name of registrant as specified in its charter) Avenida Presidente Juscelino Kubitschek, 2041 and 2235 Bloco A – Vila Olimpia São Paulo, SP 04543-011 Federative Republic of Brazil (Address of principal executive office) ...

Banco Santander Brasil SA (NYSE:BSBR) Q4 2021 Earnings Conference Call February 2, 2022 8:00 AM ET Company Participants Sergio Rial – Council Chairman and CEO Angel Santodomingo – CFO Gustavo Sechin – Head, IR Conference Call Participants Marcelo Telles – Credit Suisse Operator Good morning and thank you for waiting. Welcome to the conference call to discuss Banco Santander Brasil SA's results. Present here, Mr. Sergio Rial, Council Chairman, Mr. Angel Santodomingo, CFO, and Mr. Gustavo Sechin, Head of Inve ...

Financial Data and Key Metrics Changes - The company achieved an all-time high return on equity of 22.4% and a net profit of BRL4.3 billion in Q3 2021, representing a 4% increase from the previous quarter and over 12% year-on-year [6][28] - Net interest income (NII) grew in the quarter, reflecting a better mix and stronger market activity, with fees increasing by 13% compared to the same quarter last year [28] - The efficiency ratio remained stable at 35.7%, and the recurrence ratio reached over 88% [29][30] Business Line Data and Key Metrics Changes - The loan portfolio grew by 2.4% quarter-on-quarter and over 13% year-on-year, reaching BRL450 billion, primarily driven by retail lending [31] - Consumer finance grew by 1.7% quarter-on-quarter and 9% year-on-year, while SME lending increased by 3.7% [32] - Credit card transactions grew by approximately 31% year-on-year, supported by higher transactionality [34] Market Data and Key Metrics Changes - The total customer base grew by 9% year-on-year, with 1.6 million new clients added in just one quarter [9] - The digital customer base expanded by 25% in one year, translating into significantly higher revenue per customer [17] - The company reported a strong performance in digital channels, with over 70% of new clients acquired through these platforms [12][51] Company Strategy and Development Direction - The company continues to focus on expanding its customer base and enhancing customer loyalty, with a strong emphasis on digital transformation [10][17] - The strategy includes a commitment to ESG initiatives, with over BRL2 billion in ESG-linked loans and a goal to generate 100% of electricity from renewable sources by 2025 [22][23] - The company aims to maintain a strong risk management framework, ensuring that the cost of risk remains within a comfortable range [39] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining loan growth despite weaker GDP estimates, highlighting strong retail growth and a focus on client acquisition [46][49] - The company acknowledged potential challenges in asset quality but emphasized its ability to navigate through economic fluctuations [58][89] - Management noted that the bank has consistently outperformed consensus estimates over the past several years, indicating a strong operational position [86][88] Other Important Information - The company has been recognized for its workplace culture, with 94% of employees expressing pride in working for the bank [18][90] - The bank's commitment to social programs has reached over 800,000 people in the last three years, demonstrating its focus on community engagement [24][25] Q&A Session Summary Question: What supported the growth in trading gains this quarter? - Management indicated that treasury and wholesale banking activities performed well, but volatility in markets could affect future results [41][42] Question: Are new clients coming from expansion into new regions or other banks? - The majority of new clients are being acquired through digital channels, with a significant portion being unbanked individuals [47][51] Question: What are the impacts of rising interest rates on results? - The bank is sensitive to interest rate changes, with an estimated BRL400 million impact for every 100 basis points change, but expects better performance on the liability side [60][61] Question: What is the outlook for asset quality and loan growth? - Management remains cautious but optimistic, noting that the cost of credit is still below pre-pandemic levels [58][66] Question: What drove the decrease in the effective tax rate in Q3 2021? - The decrease was primarily due to the payment of interest on capital, which significantly impacted the tax rate for the quarter [79][80]

RESULTS (BR GAAP) 3 RD QUARTER 2021 Santander DISCLAIMER 2 This presentation may contain certain forward-looking statements and information pertaining to Banco Santander (Brasil) S,A, ("Santander Brasil") and its subsidiaries, which reflect the current views and / or expectations of Santander Brasil and its management regarding its business performance and future events. Forward-looking statements include, without limitation, any statement that may predict, forecast, indicate or imply future results, perfor ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of September, 2021 Commission File Number: 001-34476 BANCO SANTANDER (BRASIL) S.A. (Exact name of registrant as specified in its charter) Avenida Presidente Juscelino Kubitschek, 2041 and 2235 Bloco A – Vila Olimpia São Paulo, SP 04543-011 Federative Republic of Brazil (Address of principal executive office ...

Banco Santander (Brasil) S.A. (NYSE:BSBR) Q2 2021 Earnings Conference Call July 28, 2021 9:00 AM ET Company Representatives Sergio Rial - Chief Executive Officer Angel Santodomingo - Chief Financial Officer Gustavo Sechin - Head of Investor Relations Conference Call Participants Gustavo Schroden - Bradesco Pedro Leduc - Itaú BBA Flavio Yoshida - Bank of America Thiago Batista - UBS Jorg Friedemann - Citibank Jorge Kuri - Morgan Stanley Marcelo Telles - Credit Suisse Domingos Falavina - J.P. Morgan Operator ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) ...