Banco Santander (BSBR) 20-F 28 Feb 22 2021 FY Annual report (foreign) Financial data

Cover

Cover	12 Months Ended
	Dec. 31, 2021shares
Entity Addresses [Line Items]
Document Type	20-F
Amendment Flag	false
Document Registration Statement	false
Document Annual Report	true
Document Transition Report	false
Document Shell Company Report	false
Document Period End Date	Dec. 31, 2021
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2021
Current Fiscal Year End Date	--12-31
Entity File Number	001-34476
Entity Registrant Name	BANCO SANTANDER (BRASIL) S.A.
Entity Central Index Key	0001471055
Entity Incorporation, State or Country Code	D5
Entity Address, Address Line One	Avenida Presidente Juscelino Kubitschek, 2041, Suite 281, Block A
Entity Address, City or Town	São Paulo
Entity Address, Country	BR
Entity Address, Postal Zip Code	04543-011
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Shell Company	true
ICFR Auditor Attestation Flag	true
Auditor Firm ID	1325
Auditor Name	Deborah Stern Vieitas
Auditor Location	Maria Elena Cardoso Figueira
Ordinary shares [member]
Entity Addresses [Line Items]
Entity Common Stock, Shares Outstanding	3,802,939,826
Preference shares [member]
Entity Addresses [Line Items]
Entity Common Stock, Shares Outstanding	3,664,080,815
Business Contact [Member]
Entity Addresses [Line Items]
Entity Address, Address Line One	45 E. 53rd Street
Entity Address, City or Town	New York
Entity Address, Postal Zip Code	10022
City Area Code	212
Local Phone Number	350-3604
Contact Personnel Name	Mercedes Pacheco

Consolidated Balance Sheet

Consolidated Balance Sheet - BRL (R$)		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash		R$ 16657201000	R$ 20148725000	R$ 20127364000
Financial assets measured at fair value through profit or loss		18,858,842,000	60,900,466,000	32,342,306,000
Debt instruments		3,122,017,000	3,545,660,000	3,735,076,000
Balances with the Brazilian Central Bank		15,736,825,000	57,354,806,000	28,607,230,000
Financial assets measured at fair value through profit or loss  held for trading		70,570,665,000	95,843,126,000	55,396,069,000
Debt instruments		47,752,595,000	68,520,799,000	34,885,631,000
Equity instruments		2,020,610,000	1,818,276,000	2,029,470,000
Trading derivatives		20,797,460,000	25,504,051,000	18,480,968,000
Non-trading financial assets mandatorily measured at fair value through profit or loss		870,162,000	499,720,000	171,453,000
Equity instruments		477,707,000	438,912,000	171,453,000
Loans and advances to customers		392,455,000	60,808,000
Financial assets measured at fair value through other comprehensive income		101,241,787,000	109,740,387,000	96,120,233,000
Debt instruments		101,212,600,000	109,668,214,000	95,962,927,000
Equity instruments		29,187,000	72,173,000	157,306,000
Financial assets measured at amortized cost		633,241,352,000	554,924,796,000	474,680,904,000
Loans and amounts due from credit institutions		95,664,754,000	112,849,776,000	109,233,128,000
Loans and advances to customers		464,451,587,000	393,707,229,000	326,699,480,000
Debt instruments		73,125,011,000	48,367,791,000	38,748,296,000
Hedging derivatives		342,463,000	743,463,000	339,932,000
Assets held for sale		816,345,000	1,092,909,000	1,325,335,000
Investments in associates and joint ventures		1,232,646,000	1,094,985,000	1,070,762,000
Tax assets		41,757,332,000	41,063,782,000	33,599,178,000
Current		4,117,035,000	3,082,084,000	3,304,116,000
Deferred		37,640,297,000	37,981,698,000	30,295,062,000
Other assets		6,049,028,000	7,222,411,000	5,061,337,000
Property, plant and equipment		8,783,785,000	9,537,111,000	9,781,957,000
Intangible assets		30,786,788,000	30,766,498,000	30,595,788,000
Goodwill		27,915,469,000	28,360,137,000	28,375,004,000
Other intangible assets		2,871,319,000	2,406,361,000	2,220,784,000
Total assets		931,208,396,000	933,578,379,000	760,612,618,000
Liabilities and stockholders' equity
Financial liabilities measured at fair value through profit or loss  held for trading		36,952,567,000	75,020,184,000	44,439,835,000
Trading derivatives		24,172,008,000	29,212,238,000	20,604,182,000
Short positions		12,780,559,000	45,807,946,000	23,835,653,000
Financial Liabilities Measured at Fair Value Through Profit or Loss		7,459,784,000	7,038,467,000	5,319,416,000
Deposits from Brazilian Central Bank and deposits from credit institutions		7,459,784,000	7,038,467,000	5,319,416,000
Financial Liabilities at Amortized Cost		750,093,694,000	707,288,791,000	575,230,401,000
Deposits from Brazilian Central Bank and deposits from credit institutions		121,005,909,000	131,656,962,000	99,271,415,000
Customer deposits		468,961,069,000	445,813,972,000	336,514,597,000
Marketable debt securities		79,036,792,000	56,875,514,000	73,702,474,000
Debt instruments eligible to compose capital	[1]	19,641,408,000	13,119,660,000	10,175,961,000
Other financial liabilities		61,448,516,000	59,822,683,000	55,565,954,000
Hedging derivatives		446,973,000	144,594,000	200,961,000
Provisions		11,604,482,000	13,814,978,000	16,331,825,000
Provisions for pensions funds and similar obligations		2,728,126,000	3,929,265,000	4,960,620,000
Provisions for judicial and administrative proceedings, commitments and other provisions		8,876,356,000	9,885,713,000	11,371,205,000
Tax liabilities		8,175,023,000	10,130,248,000	10,960,075,000
Current		5,949,833,000	5,583,653,000	5,419,202,000
Deferred		2,225,190,000	4,546,595,000	5,540,873,000
Other liabilities		10,501,378,000	14,051,245,000	10,920,944,000
Total liabilities		825,233,901,000	827,488,507,000	663,403,457,000
Stockholders' equity		109,046,574,000	106,205,067,000	96,736,290,000
Share capital		55,000,000,000	57,000,000,000	57,000,000,000
Reserves		48,880,561,000	40,414,981,000	34,877,493,000
Treasury shares		(713,039,000)	(791,358,000)	(681,135,000)
Option for acquisition of equity instrument				(67,000,000)
Profit for the year attributable to the parent		15,528,052,000	13,418,529,000	16,406,932,000
Less: dividends and remuneration		(9,649,000,000)	(3,837,085,000)	(10,800,000,000)
Other Comprehensive Income		(3,406,428,000)	(428,080,000)	(85,710,000)
Stockholders' Equity Attributable to the Parent		105,640,146,000	105,776,987,000	96,650,580,000
Non - controlling interests		334,349,000	312,885,000	558,581,000
Total stockholders' equity		105,974,495,000	106,089,872,000	97,209,161,000
Total liabilities and stockholders' equity		R$ 931208396000	R$ 933578379000	R$ 760612618000
[1]	Letras Financeiras issued in November 2021 have a redemption and repurchase option.

Consolidated Statement of Incom

Consolidated Statement of Income - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Profit or loss [abstract]
Interest and similar income	R$ 77987308	R$ 62774940	R$ 72841060
Interest expense and similar charges	(26,668,842)	(18,332,228)	(28,519,953)
Net interest income	51,318,466	44,442,712	44,321,107
Income from equity instruments	90,040	33,754	18,933
Income from companies accounted for by the equity method	144,184	112,261	149,488
Fee and commission income	20,388,089	20,606,707	20,392,458
Fee and commission expense	(5,114,788)	(4,378,493)	(4,679,306)
Gains (losses) on financial assets and liabilities (net)	221,782	12,998,060	2,462,545
Financial assets at fair value through profit or loss	1,555,837	711,949	252,253
Financial assets measured at fair value through profit or loss held for trading	3,519,626	12,122,794	2,391,080
Non-trading financial assets mandatorily measured at fair value through profit or loss	205,016	172,828	11,501
Financial instruments not measured at fair value through profit or loss	(665,853)	(239,054)	(57,522)
Other	(4,392,844)	229,543	(134,767)
Exchange differences (net)	(2,002,286)	(24,700,962)	(2,788,537)
Other operating expense (net)	(1,119,380)	(872,510)	(1,107,719)
Total income	63,926,107	48,241,529	58,768,969
Administrative expenses	(17,316,419)	(17,114,960)	(16,941,526)
Personnel expenses	(9,025,702)	(8,871,482)	(9,327,714)
Other administrative expenses	(8,290,717)	(8,243,478)	(7,613,812)
Depreciation and amortization	(2,433,921)	(2,579,127)	(2,391,857)
Tangible assets	(1,850,780)	(2,039,805)	(1,870,836)
Intangible assets	(583,141)	(539,322)	(521,021)
Provisions (net)	(2,179,417)	(1,656,547)	(3,681,586)
Impairment losses on financial assets (net)	(17,112,734)	(17,450,188)	(13,369,905)
Financial assets measured at amortized cost and contingent commitments	(17,112,734)	(17,450,188)	(13,369,905)
Impairment losses on other assets (net)	(165,799)	(84,908)	(131,435)
Other intangible assets	(30,160)	(66,269)	(103,924)
Other assets	(135,639)	(18,639)	(27,511)
Gains (losses) on disposal of assets not classified as assets held for sale	(15,113)	230,713	10,646
Gains (losses) on assets held for sale not classified as discontinued operations	47,625	77,463	9,843
Operating income before tax	24,750,329	9,663,975	22,273,149
Income taxes	(9,191,005)	3,786,778	(5,641,699)
Consolidated net income for the period	15,559,324	13,450,753	16,631,450
Profit attributable to the parent	15,528,052	13,418,529	16,406,932
Profit attributable to non-controlling interests	R$ 31272	R$ 32224	R$ 224518

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Profit or loss [abstract]
Consolidated Profit for the Year	R$ 15559324	R$ 13450753	R$ 16631450
Other comprehensive income that will be reclassified subsequently to profit or loss when specific conditions are met:	(3,245,041)	(897,996)	1,468,651
Financial assets measured at fair value through other comprehensive income	(2,389,705)	(1,003,155)	1,352,702
Financial assets measured at fair value through other comprehensive income	(4,255,996)	(1,976,013)	2,926,285
Income taxes	1,866,291	972,858	(1,573,583)
Cash flow hedges	(855,335)	105,159	115,949
Valuation adjustments	(1,628,393)	168,015	270,119
Amounts transferred to income statement			6,767
Income taxes	773,058	(62,856)	(160,937)
Other comprehensive income that will not be reclassified to net income:	266,692	555,624	(675,497)
Defined benefits plan	266,692	555,624	(675,497)
Defined benefits plan	592,967	1,110,034	(1,358,578)
Income taxes	(326,275)	(554,410)	683,081
Total comprehensive income	12,580,976	13,108,381	17,424,604
Attributable to the parent	12,549,704	13,076,157	17,200,086
Attributable to non-controlling interests	31,272	32,224	224,518
Total comprehensive income	R$ 12580976	R$ 13108381	R$ 17424604

Consolidated Statement of Chang

Consolidated Statement of Changes in Stockholders' Equity - BRL (R$) R$ in Thousands	Issued capital [member]	Other reserves [member]	Treasury shares [member]	Reserve of gains and losses on hedging instruments that hedge investments in equity instruments [member]	Profit Attributed To Parent [Member]	Dividends And Remuneration [Member]	Equity attributable to owners of parent [member]	Financial assets measured at fair value through other comprehensive income, category [member]	Defined benefit plans [member]	Reserve of exchange differences on translation [member]	Reserve of cash flow hedges [member]	Accumulated other comprehensive income [member]	Non-controlling interests [member]	Total
Balance on December 31, 2020 at Dec. 31, 2018	R$ 57000000	R$ 30440288	R$ 461432	R$ 1017000	R$ 12582477	R$ 6600000	R$ 91944333	R$ 1992581	R$ 3071040	R$ 859370	R$ 659774	R$ 91065470	R$ 529990	R$ 91595460
IfrsStatementLineItems [Line Items]
Total comprehensive income					16,406,932		16,406,932	1,352,702	(675,497)		115,949	17,200,086	224,518	17,424,604
Net profit					16,406,932		16,406,932					16,406,932	224,518	16,631,450
Other comprehensive income								1,352,702	(675,497)		115,949	793,154		793,154
Financial Assets Measured at Fair Value Through Other Comprehensive Income								1,352,702				1,352,702		1,352,702
Employee benefit plan									(675,497)			(675,497)		(675,497)
Gain and loss - Cash flow and investment hedge											115,949	115,949		115,949
Appropriation of net income from prior years		12,582,477			(12,582,477)
Balance on December 31, 2021 at Dec. 31, 2019	57,000,000	34,877,493	(681,135)	(67,000)	16,406,932	(10,800,000)	96,736,290	3,345,283	(3,746,537)	859,370	(543,825)	96,650,580	558,581	97,209,161
IfrsStatementLineItems [Line Items]
Option to Acquire Own Instrument		(1,598,336)		950,000			(648,336)					(648,336)		(648,336)
Dividends and interest on capital from prior years		(6,600,000)				(4,200,000)	(10,800,000)					(10,800,000)		(10,800,000)
Share based compensation		50,886					50,886					50,886		50,886
Treasury shares			(219,703)				(219,703)					(219,703)		(219,703)
Treasury shares income		5,796					5,796					5,796		5,796
Other		(3,618)					(3,618)					(3,618)	(195,927)	(199,545)
Dividends and interest on capital														(10,800,000)
Total comprehensive income					13,418,529		13,418,529	(1,003,154)	555,624		105,159	13,076,158	32,224	13,108,382
Net profit					13,418,529		13,418,529					13,418,529	32,224	13,450,753
Other comprehensive income								(1,003,154)	555,624		105,159	(342,371)		(342,371)
Financial Assets Measured at Fair Value Through Other Comprehensive Income								(1,003,154)				(1,003,154)		(1,003,154)
Employee benefit plan									555,624			555,624		555,624
Gain and loss - Cash flow and investment hedge											105,159	105,159		105,159
Appropriation of net income from prior years		16,406,932			(16,406,932)
Balance on December 31, 2021 at Dec. 31, 2020	57,000,000	40,414,981	(791,358)		13,418,529	(3,837,085)	106,205,067	2,342,129	(3,190,913)	859,370	(438,666)	105,776,987	312,885	106,089,872
IfrsStatementLineItems [Line Items]
Option to Acquire Own Instrument		(67,000)		67,000
Dividends and interest on capital from prior years		(10,800,000)				10,800,000
Treasury shares			(110,223)				(110,223)					(110,223)		(110,223)
Other		(2,443)					(2,443)					(2,443)	(277,920)	(280,363)
Dividends and interest on capital						(3,837,085)	(3,837,085)					(3,837,085)		(3,837,085)
Total comprehensive income					15,528,052		15,528,052	(2,389,705)	266,692		(855,335)	12,549,704	31,272	12,580,976
Net profit					15,528,052		15,528,052					15,528,052	31,272	15,559,324
Other comprehensive income								(2,389,705)	266,692		(855,335)	(2,978,348)		(2,978,348)
Financial Assets Measured at Fair Value Through Other Comprehensive Income								(2,389,705)				(2,389,705)		(2,389,705)
Employee benefit plan									266,692			266,692		266,692
Gain and loss - Cash flow and investment hedge											(855,335)	(855,335)		(855,335)
Appropriation of net income from prior years		13,418,529			(13,418,529)
Spin-Off	(2,000,000)	(1,167,674)					(3,167,674)					(3,167,674)		(3,167,674)
Balance on December 31, 2021 at Dec. 31, 2021	55,000,000	48,880,561	(713,039)		15,528,052	(9,649,000)	109,046,574	(47,576)	(2,924,221)	859,370	(1,294,001)	105,640,146	334,349	105,974,495
IfrsStatementLineItems [Line Items]
Dividends and interest on capital from prior years		(3,837,085)				3,837,085
Treasury shares			78,319				78,319					78,319		78,319
Other		51,810					51,810					51,810	(9,808)	42,001
Dividends and interest on capital						R$ 9649000	R$ 9649000					R$ 9649000		R$ 9649000

Statement of Cash Flows

Statement of Cash Flows - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
1. Cash Flows From Operating Activities
Consolidated profit for the year	R$ 15559324	R$ 13450753	R$ 16631450
Adjustments to profit	(13,898,808)	(31,268,076)	14,654,879
Depreciation of tangible assets	1,850,780	2,039,805	1,870,836
Amortization of intangible assets	583,141	539,322	521,021
Impairment losses on other assets (net)	165,799	84,908	131,435
Provisions and impairment losses on financial assets (net)	19,292,151	19,106,735	17,051,491
Net gains (losses) on disposal of tangible assets, investments and non-current assets held for sale	(32,512)	(308,176)	(20,489)
Income from companies accounted by the equity method	(144,184)	(112,261)	(149,488)
Changes in deferred tax assets and liabilities	2,265,227	(8,232,869)	(2,912,279)
Monetary adjustment of escrow deposits	(433,629)	(219,447)	(574,399)
Recoverable taxes	(217,820)	(120,220)	(182,469)
Effects of changes in foreign exchange rates on cash and cash equivalents			99
Effects of changes in foreign exchange rates on assets and liabilities	(35,669,654)	(44,250,466)	(2,609,679)
Other	(1,558,107)	204,593	1,528,800
Net (increase) decrease in operating assets	22,502,791	(139,525,961)	(42,332,510)
Financial assets measured at fair value through profit or loss	42,041,624	(26,198,034)	11,080,730
Financial assets measured at fair value through profit or loss held for trading	50,833,925	(43,070,163)	11,831,411
Non-trading financial assets mandatorily measured at fair value through profit or loss	(370,442)	(328,267)	746,024
Financial assets measured at fair value through other comprehensive income	4,094,548	(14,905,798)	(8,835,552)
Financial assets measured at amortized cost	(86,179,125)	(80,800,357)	(60,461,392)
Other assets	12,082,261	25,776,658	3,306,269
Net increase (decrease) in operating liabilities	(12,821,626)	200,930,390	41,219,165
Financial liabilities measured at fair value through profit or loss held for trading	(38,067,617)	33,203,455	(4,874,323)
Financial liabilities measured at fair value through profit or loss	421,317	1,516,522	3,373,359
Financial liabilities at amortized cost	30,512,246	165,920,919	40,961,046
Other liabilities	(5,687,572)	289,494	1,759,083
Tax paid	(4,534,538)	(1,269,150)	(5,301,184)
Total net cash flows from operating activities (1)	6,807,143	42,317,956	24,871,800
2. Cash Flows From Investing Activities
Investments	(2,679,473)	(2,019,278)	(3,500,499)
Acquisition of subsidiary, less net cash in the acquisition	(13,746)	(13,570)	(746)
Tangible assets	(1,162,774)	(1,235,923)	(1,924,783)
Intangible assets	(1,202,416)	(769,785)	(1,519,725)
Corporate Restructuring	(300,537)		(55,245)
Disposal	752,781	856,181	987,164
Tangible assets	37,576	47,096	29,911
Non - current assets held for sale	563,205	663,067	808,980
Dividends and interest on capital received	152,000	146,018	148,273
Total net cash flows from investing activities (2)	(1,926,692)	(1,163,097)	(2,513,335)
3. Cash Flows From Financing Activities
Acquisition of own shares	78,319	(110,223)	(219,703)
Issuance of Instruments Eligible to Compose Capital	5,500,000
Issuance of  other long-term financial liabilities	(101,784,961)	(60,047,656)	(53,017,039)
Dividends and interest on capital paid	(9,907,319)	(10,280,430)	(6,953,718)
Payments of other long-term financial liabilities	(97,220,580)	(82,900,914)	(61,914,716)
Payments of subordinated liabilities			(9,885,607)
Payments of interest of Debt Instruments Eligible to Compose Capital	(911,306)	(914,645)	(328,892)
Net increase in non-controlling interests	17,415	6,842	(14,266)
Capital Increase in Subsidiaries, by Non-Controlling Interests			100,000
Total net cash flows from financing activities (3)	(658,510)	(34,151,714)	(26,199,863)
Exchange variation on Cash and Cash Equivalents (4)			(99)
Net Increase in Cash (1+2+3+4)	4,221,941	7,003,145	(3,841,497)
Cash and cash equivalents at beginning of year	28,446,808	21,443,663	25,285,160
Cash and cash equivalents at end of year	32,668,749	28,446,808	21,443,663
Cash and cash equivalents components
Cash	16,657,201	20,148,725	20,127,364
Loans and other	16,011,548	8,298,083	1,316,299
Total of cash and cash equivalents	32,668,749	28,446,808	21,443,663
Non-cash transactions
Foreclosures loans and other assets transferred to non-current assets held for sale	235,904	445,173	735,864
Dividends and interest on capital declared but not paid	249,000	1,177,085	7,800,000
Supplemental information
Interest received	77,987,308	62,774,940	72,841,060
Interest paid	R$ 26668842	R$ 18332228	R$ 28519953

Introduction, basis of presenta

Introduction, basis of presentation of the consolidated financial statements and other information	12 Months Ended
	Dec. 31, 2021
Introduction, basis of presentation of the consolidated financial statements and other information	1. Introduction, basis of presentation of the consolidated financial statements and other information a) Introduction Banco Santander (Brasil) S.A. (Banco Santander or Bank), directly and indirectly controlled by Banco Santander, S.A., headquartered in Spain (Banco Santander Spain), is the lead institution of the Financial and Prudential Conglomerates (Conglomerate Santander) before the Central Bank of Brazil (Bacen), established as a joint-stock corporation, with head office at Avenida Presidente Juscelino Kubitschek, 2041 and 2235 – Building A - Vila Olímpia, in the City of São Paulo, State of São Paulo. Banco Santander operates as a multiple service bank, conducting its operations by means of its commercial, investment, loans, mortgage loans, leasing and foreign exchange portfolios. Through its subsidiaries, also operates in the segments of payments, management of shares’ club, securities and insurance brokerage operations, premium bonds, consumer finance, payroll loans, digital platforms, benefit vouchers, management and recovery of non-performing loans and private pension products. The operations are conducted within the context of a group of institutions that operates in the financial market on an integrated basis. The corresponding benefits and costs of providing services are absorbed between them and are conducted in the normal course of business and under commutative conditions. The Board of Directors authorized the issuance of the Financial Statements for the year ended on December 31, 2021, at the meeting held on February 24, 2022. These Financial Statements and the accompanying documents were the subject of an unqualified report of the Independent Auditors and a recommendation for approval issued by the Company's Audit Committee and a favorable opinion of the Company's Fiscal Council. b) Basis of presentation of the condensed consolidated financial statements The consolidated financial statements have been prepared in accordance with the standards of the International Financial Reporting Standards (IFRS) issued by the International Accountant Standards Board (IASB), and interpretations issued by the IFRS Interpretations Committee (current name International Financial Reporting Interpretations Committee - IFRIC). All relevant information specifically related to the financial statements of Banco Santander, and only in relation to these, are being evidenced, and correspond to the information used by Banco Santander in its management. As described in FN 8 a.1), the comparative information for prior periods was adjusted to reflect the remeasurement of the commercialization of electric energy operation. c) Other information c.1) Adoption of new standards and interpretations The following standard changes were adopted for the first time for the year beginning January 1, 2021: ● Amendments to IFRS 9, IAS 39, IFRS 7 “Financial Instruments”, IFRS 4 “Insurance Contracts” and IFRS 16 “Leases”: The changes provided for in Phase 2 of the IBOR reform address issues that may affect the Financial Statements during the reform of a benchmark interest rate, including the effects of changes in contractual cash flows or hedging relationships arising from the substitution of a rate for a alternative reference rate (replacement issues). The effective date of application of this change was January 1, 2021. The Group's contracts linked to LIBOR were reviewed between the parties and updated by the respective alternative rates disclosed, plus a spread. Management has verified that the updated cash flows are economically equivalent to the original ones, so that there were no material impacts related to this replacement. Therefore, the implementations above had no significant impact on these Financial Statements. Rules and interpretations that will come into effect after December 31, 2021 On the date of preparation of these consolidated financial statements, the following standards that have effective adoption date after January 1, 2022 and have not yet been adopted by the Bank are: ● Amendment to IAS 37 “Provision, Contingent Liabilities and Contingent Assets”: in May 2020, the IASB issued this amendment to clarify that, for the purpose of assessing whether a contract is onerous, the cost of contract performance includes the incremental costs of performance contract and an allocation of other costs that are directly related to its performance. The effective date of application of this change is the 1st. January 2022. ● IFRS 17 - In May 2017, the IASB issued the IFRS for insurance contracts that aims to replace IFRS 4. The implementation date of IFRS 17 is January 1, 2023. This standard is intended to demonstrate greater transparency and information useful in financial statements, one of the main changes being the recognition of earnings as the measure of delivery of insurance services, in order to assess the performance of insurers over time. Banco Santander is evaluating the possible impacts when adopting the standard. ● Amendment to IFRS 3 “Business Combinations”: issued in May 2020, with the aim of replacing the references from the older version of the conceptual framework to the newer one. The amendment to IFRS 3 is effective from January 1, 2022. ● Annual improvements – 2018-2020 cycle: in May 2020, the IASB issued the following amendments as part of the annual improvement process, applicable from January 1, 2022: (i) IFRS 9 - "Financial Instruments" - clarifies which fees should be included in the 10% test for writing off financial liabilities. (ii) IFRS 16 - "Leases" - amendment to example 13 in order to exclude the example of lessor payments related to improvements in the leased property. (iii) IFRS 1 "Initial Adoption of International Financial Reporting Standards" - simplifies the application of said standard by a subsidiary that adopts IFRS for the first time after its parent, in relation to measuring the accumulated amount of exchange rate variations. ● Classification of Liabilities, amendments to IAS 1 “Presentation of Financial Statements”, considering non-current liabilities those in which the entity has the possibility of deferring payment for more than 12 months from the closing date of the reporting period. The amendments to IAS 1 are effective as of January 1, 2023. ● Modification of IAS 8 – Presentation of Financial Statements and IAS 8 Accounting Policies: changes in accounting estimates and errors, which use a consistent definition of materiality for the purpose of making material judgements and deciding on the information to be included in the financial statements. The amendments to IAS 1 are effective as of January 1, 2023. ● Deferred Tax related to Assets and Liabilities arising from a Single Transaction – Amendments to IAS 12 1 January 2023: The amendments to IAS 12 Income Taxes require companies to recognise deferred tax on transactions that, on initial recognition, give rise to equal amounts of taxable and deductible temporary differences. They will typically apply to transactions such as leases of lessees and decommissioning obligations and will require the recognition of additional deferred tax assets and liabilities. The amendments to IAS 12 are effective as of January 1, 2023. There are no other IFRS standards or IFRIC interpretations that have not yet come into effect that could have a material impact on the Bank's financial statements. c.2) Estimates used The consolidated results and the calculation of consolidated equity are impacted by the accounting policies, assumptions, estimates and measurement methods used by the Bank's directors in the preparation of interim consolidated financial statements. The Bank makes estimates and assumptions that affect the reported amounts of assets and liabilities of future periods. All estimates and assumptions required, in accordance with IFRS, are the best estimates in accordance with the applicable standard. Consolidated financial management, as estimates are made by the note of the Bank and the consolidated entities in order to quantify certain assets, liabilities, income and expenses and disclosures of explanatory notes. c.2.1) Critical estimates The critical estimates and assumptions that have the most significant impact on the accounting balances of certain assets, liabilities, revenues and expenses and in the disclosure of explanatory notes, are described below: i. Fair value assessment of certain financial instruments Financial instruments are initially recognized at fair value and those that are not measured at fair value through profit or loss are adjusted for transaction costs. Financial assets and liabilities are subsequently measured, at the end of each period, using valuation techniques. This calculation is based on assumptions, which consider Management's judgment based on information and market conditions existing at the balance sheet date. Banco Santander classifies fair value measurements using the fair value hierarchy that reflects the model used in the measurement process, segregating financial instruments into Levels I, II or III. Notes 2.e & 46.c8 of the Consolidated Financial Statements as of December 31, 2021 present the accounting practice and sensitivity analysis for the Financial Instruments, respectively. ii. Allowance for loan losses due to impairment The carrying amount of non-recoverable financial assets is adjusted by recording a provision for impairment chargeable to “Losses on financial assets (net) – Financial assets measured at amortized cost” in the consolidated statement of income. The reversal of previously recorded losses is recognized in the consolidated income statement in the period in which the impairment loss decreases and can be objectively related to a recovery event. To individually measure the impairment loss of loans assessed for impairment, the Bank considers the counterparty's conditions, such as its economic and financial situation, level of indebtedness, capacity to generate income, cash flow, administration, corporate governance and quality of internal controls, payment history, industry experience, contingencies and credit limits, as well as asset characteristics, such as their nature and purpose, type, sufficiency and guarantees of liquidity level and total credit value , and also based on historical impairment experience and other circumstances known at the time of the valuation. To measure the impairment loss of loans collectively assessed for impairment, the Bank separates financial assets into groups considering the characteristics and similarities of credit risk, that is, according to the segment, type of assets, guarantees and other factors associated with historical impairment experience and other circumstances known at the time of the valuation. Notes 2.h & 46.b2 to the Consolidated Financial Statements as of December 31, 2021, present the accounting practice and measures for measuring credit risk, respectively. iii. Provisions for pension funds Defined benefit plans are recorded based on an actuarial study, carried out annually by a specialized company, at the end of each year, effective for the subsequent period and are recognized in the consolidated income statement under Interest and similar expenses and Provisions (net). The present value of a defined benefit obligation is the present value, less any plan assets, of expected future payments necessary to settle the obligation resulting from employee service in current and past periods. Additional details can be found in note 2.w to the Consolidated Financial Statements as of December 31, 2021. iv. Provisions, assets and contingent liabilities Provisions for judicial and administrative proceedings are constituted when the risk of loss of the judicial or administrative action is assessed as probable and the amounts involved are measurable with sufficient security, based on the nature, complexity and history of the actions and the opinion of the legal advisors internal and external. Explanatory note 2.q to the Bank's consolidated financial statements for the year ended December 31, 2021, features information on provisions and contingent assets and liabilities. There were no significant changes in provisions and contingent assets and liabilities of the Bank between December 31, 2020 and December 31, 2021, the date of preparation of these consolidated financial statements. v. Goodwill The goodwill recorded is subject to the impairment test, at least once a year or in a shorter period, in the event of any indication of impairment of the asset. The basis used for the recoverability test is the value in use and, for this purpose, the cash flow is estimated for a period of 5 years. Cash flow was prepared considering several factors, such as: (i) macroeconomic projections of interest rates, inflation, exchange rate and others; (ii) behavior and growth estimates of the national financial system; (iii) increased costs, returns, synergies and investment plan; (iv) customer behavior; and (v) growth rate and adjustments applied to flows in perpetuity. The adoption of these estimates involves the probability of future events occurring and the alteration of any of these factors could have a different result. The cash flow estimate is based on a valuation prepared by an independent expert annually or whenever there is evidence of a reduction in its recoverable amount, which is reviewed and approved by management. Further details are in note 13. vi. Expectation of realization of tax credits Deferred tax assets and liabilities include temporary differences, identified as the amounts expected to be paid or recovered on differences between the book values ​​of assets and liabilities and their respective calculation bases, and accumulated tax credits and losses and the negative CSLL base. These amounts are measured at the rates expected to be applied in the period in which the asset is realized or the liability is settled. Deferred tax assets are only recognized for temporary differences to the extent that it is considered probable that the consolidated entities will have sufficient future taxable profits against which the deferred tax assets can be used, and the deferred tax assets do not result from the initial recognition (except in a business combination) of other assets and liabilities in an operation that affects neither taxable income nor taxable income. Other deferred tax assets (tax credits and accumulated tax losses) are only recognized if it is considered probable that the consolidated entities will have sufficient future taxable profits to be used. Deferred tax assets and liabilities recognized are revalued on the date of each balance sheet, making appropriate adjustments based on the findings of the analyzes carried out. The expectation of realization of the Bank's deferred tax assets is based on projections of future results and based on a technical study. For further details, see note 2.z to the Consolidated Financial Statements of December 31, 2021.

Accounting policies and method

Accounting policies and method of measurement	12 Months Ended
	Dec. 31, 2021
Accounting policies and method of measurement	2. Accounting policies and method of measurement The accounting policies and method of measurement applied in preparing the consolidated financial statements were as follows: a) Foreign currency transactions The financial statements are presented in Brazilian Reais, the functional and reporting currency of Banco Santander and its subsidiaries. The assets and liabilities and foreign subsidiary are converted to Real as follows: - Assets and liabilities are translated at the exchange rate at the balance sheets date. - Revenues and expenses are translated at the monthly average exchange rates. - Gain and losses on translation of net investment are recorded in the statement of comprehensive income, in “exchange rate of investees located abroad”. b) Basis of consolidation i. Subsidiaries “Subsidiaries” are defined as entities over which the Bank has control. Control is based on whether the Bank has: i) power over the investee; ii) exposure, or rights, to variable returns from its involvement with the investee; and iii) the ability to use its power over the investee to affect the amount of the returns, as set forth in the law, the Bylaws or agreement. Consolidation of a subsidiary begins when the Bank obtains control over the subsidiary and ceases when the Bank loses control of the subsidiary. Specifically, income and expense of a subsidiary acquired or disposed during the year are included in the consolidated income statement and other comprehensive income from the date the Bank gains controls until the date when the Bank ceases to control the subsidiary. Profit or loss and each component of Other Comprehensive Income are attributed to the owners of the Bank and to the non-controlling interests even if the effect is attributed to non-controlling interests. Total comprehensive income of subsidiaries is attributed to the owners of the Bank and to the non-controlling interest even if this generates a negative balance for non-controlling interests. All transactions, balances, income and expenses between the companies of the Santander Group are eliminated in the consolidated financial statements. Changes in the Santander Group’s interest in a subsidiary that do not result in loss of control are registered as equity transactions. Any difference between the amount by which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognized directly in equity and attributed to owners of the Company. When the Bank loses control of a controlled delivery, or the loss is recognized in the income statement and is the difference between: (i) the sum of the fair value of the deliveries received and the fair value of the residual interest; and (ii) the prior balance of assets (including goodwill) and liabilities of the subsidiary and non-equity interests, if any. All amounts previously recognized “Other Comprehensive Income” related to are accounted for as if the Bank had directly disposed of the corresponding assets or liabilities of the subsidiary (i.e., reclassified to income or transferred to another equity account, as mandatory or mandatory authorized by IFRS). The fair value of an investment held on the former date of loss of control is considered as the fair value on initial recognition for subsequent accounting under IFRS 9 Financial Instruments or, when applicable, recognition on initial recognition of an investment in an associate or joint venture. ii. Interests in joint ventures (jointly controlled entities) and associates Joint ventures mean interests in entities that are not subsidiaries but which are jointly controlled by two or more unrelated entities. This is evidenced by contractual arrangements whereby two or more entities (“ventures”) acquire interests in entities (jointly controlled entities) so that strategic financial and operating decisions affecting the joint venture require the unanimous consent of the ventures. Associates are entities over which the Bank is in a position to exercise significant influence (significant influence is the power to participate in the financial and operating decisions of the investee) but it does not control or has joint control over the investee. In the consolidated financial statements, interest in joint ventures and investments in associates are registered using the equity method, i.e. at the Bank’s share of net assets of the investee, after taking into consideration the dividends received from capital reductions and other related transactions. Relevant information regarding companies registered under the equity method by the Bank is provided in note 11. iii. Business combinations, acquisitions and disposals A business combination is the combination of two or more separate entities or economic units into one single entity or group of entities and is registered in accordance with IFRS 3 - “Business Combinations”. Business combinations are carried out so that the Bank obtains control over an entity and are recognized for accounting purposes as follow: • The Bank measures the cost of the business combination, defined as the fair value of the assets offered, the liabilities incurred and the equity instruments issued, if any. • The fair values of the assets, liabilities and contingent liabilities of the acquired entity or business, including any intangible assets which might not have been recognized by the acquiree, are estimated at the acquisition date and recognized in the consolidated financial statement. • The excess of the acquisition cost over the fair value of the identifiable net assets acquired are recognized as goodwill (note 13). The excess of fair value of the identifiable net assets over the acquisition cost is an advantageous purchase gain and it is recorded as income on the date of the acquisition. The note 3 includes a description of the most significant transaction carried out in 2021, 2020 and 2019. iv. Investment Funds These include investment funds in which the Santander Group companies hold a substantial interest or the entirety of the interests and are therefore exposed to, or have rights, to variable returns and have the ability to affect those returns through power over the fund, in accordance with IFRS 10 - Consolidated Financial Statements and are therefore, consolidated in these financial statements. c) Definitions and classification of financial instruments i. Definitions “Financial instrument” is any contract that gives rise to a financial asset of one entity and, simultaneously, to a financial liability or financial interest of another entity. “Equity instrument” is any agreement that evidences a residual interest in the asset of the issuing entity after deducting all of its liabilities. “Financial derivative” is a financial instrument whose value changes in response to the change in an observable market variable (such as an interest rate, foreign exchange rate, financial instrument price, market index or credit rating), whose initial investment is zero or very small compared with other financial instruments with a similar response to changes in market factors, and which is settled at a future date. “Hybrid financial instruments” are contracts that simultaneously include a non-derivative host contract together with a derivative, known as an embedded derivative, that is not separately transferable and has the effect to make part of the cash flow of the hybrid contract vary similar to a stand-alone derivative. The following transactions are not treated for accounting purposes as financial instruments: • Investments in subsidiaries, jointly controlled entities and associates (note 3&11). • Rights and obligations under employee benefit plans (note 21). ii. Classification of financial assets for measurement purposes Financial assets are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as Assets held for sale or they relate to Cash, cash balances at Central Banks and other deposits on demand, Changes in the fair value of hedged items in portfolio hedges of interest rate risk (asset side), Hedging derivatives and Investments, which are reported separately. Financial assets are included for measurement purposes in one of the following categories: • Financial Assets Measured at Fair Value Through Profit or Loss Held for Trading: • Financial Assets Measured at Fair Value Through Profit or Loss: • Non-Trading Financial Assets Mandatorily Measured at Fair Value Through Profit or Loss: this • Financial Assets Measured at Fair Value Through Profit or Loss: Results arising from changes in fair value are recognized in the item adjustment to market value in equity, with the exception of impairment losses, which are recognized in profit or loss. When the investment is disposed of or has evidence of a decline in fair value due to non-recovery, the result previously accumulated in the account of adjustments to fair value in equity is reclassified to income. • Financial Assets Measured at Amortized Cost: iii. Classification of financial assets for presentation purposes Financial assets are classified by nature into the following headings in the consolidated financial statements: • Cash and balances with the Bacen: cash balances and balances receivable on demand relating to deposits with Bacen and credit institutions. • Financial Assets Measured At Amortized Cost: includes the debit balances of all credit and loans granted by the Bank, other than those represented by securities, as well as finance lease receivables and other debit balances of a financial nature in favor of the Bank, such as checks drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organized markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. • Loans and other amounts with credit institutions: credit of any nature in the name of financial institutions. • Loans and advances to clients: includes debit balances of all the remaining credit and loans granted by the Bank, including money market operations through centralized counterparties. • Debt instruments: bonds and other securities that represent a debt for their issuer, that generate an interest return, and that are in the form of certificates or book entries. • Equity instruments: Financial instruments issued by other entities, such as shares, which have the nature of equity instruments for the issuer, other than investments in subsidiaries, joint ventures or associates. Investment fund units are included in this item. • Trading derivatives: includes the fair value in favor of the Bank of derivatives which do not form part of hedge accounting. • Hedging derivatives: includes the fair value in favor of the Bank of derivatives designated as hedging instruments in hedge accounting. • Investments in associates and jointly controlled companies: includes the investments made in the share capital of associates and jointly controlled companies. iv. Classification of financial liabilities for measurement purposes Financial liabilities are classified for measurement purposes into one of the following categories: • Other Financial Assets At Fair Value Through Profit Or Loss: this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices, financial derivatives not designated as hedging instruments, and financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements ("reverse repos") or borrowed (short positions). • Other Financial Assets At Fair Value Through Profit Or Loss: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognizing the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group's key management personnel. • Financial liabilities at amortized cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions. v. Classification of financial liabilities for presentation purposes Financial liabilities are classified by nature into the following items in the consolidated financial statements: • Deposits from Bacen: deposits of any nature received from Bacen. • Deposits from credit institutions: deposits of any nature, including credit received and money market operations in the name of credit institutions. • Client deposits: includes deposits of any nature such as demand deposits, saving deposits and time deposits including money market operation received from client. • Marketable debt securities: includes the amount of bonds and other debt represented by marketable securities, other than subordinated liabilities. • Trading derivatives: includes the fair value, with a negative balance for the Bank, of derivatives which do not form part of hedge accounting. • Short positions: includes the amount of financial liabilities arising from the outright sale of financial assets purchased under reverse repurchase agreements or borrowed. • Subordinated liabilities: amount of financing received which, for the purposes of payment priority, ranks behind ordinary debt. This category also includes the financial instruments issued by the Bank which, although equity for legal purposes, do not meet the requirements for classification as equity. • Other financial liabilities: includes the amount of payment obligations having the nature of financial liabilities not included in other items, and liabilities under financial guarantee contracts, unless they have been classified as non-performing. • Hedging derivatives: includes the fair value of the Bank's liability in respect of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting. •Equity instruments: financial instruments issued by other entities, such as shares, with the nature of equity instruments for the issuer, except investments in subsidiaries, jointly controlled entities or associates. d) Funding, debt notes issued and other liabilities Funding debt rates and other liabilities Instruments are recognized initially at fair value, considered primarily as the transaction price. They are subsequently measured at amortized cost and its expenses are recognized as a financial cost. Among the liabilities initial recognition methods, it is important to emphasize those compound financial instruments which are classified as such due to the fact that the instruments contain both, a debt instrument (liability) and an embedded equity component (derivative). The recognition of a compound instrument consists of a combination of (i) a main instrument, which is recognized as an entity’s genuine liability (debt) and (ii) an equity component (derivative convertible into ordinary share). The issue of "Notes" must be registered in specific heading liabilities and updated according to the agreed rates and adjusted by the effect of exchange rate variations, when denominated in foreign currency. All remuneration related to these instruments, such as interest and Exchange variation (difference between the functional currency and the currency in which the instrument was named) shall be recognized as expenses for the period, according to the accrual basis. The relevant details of these issued instruments are described in explanatory note 19. e) Measurement of financial assets and liabilities and recognition of fair value changes In general, financial assets and liabilities are initially recognized at fair value which, in the absence of evidence to the contrary, is deemed to be the transaction price. Financial instruments not measured at fair value through profit or loss, are adjusted by the transaction costs. Financial assets and liabilities are subsequently measured at each period-end as follows: i. Measurement of financial assets Financial assets are measured at fair value, without deduction of estimated costs of transaction that may be incurred on their disposal, except for loans and receivables, held-to-maturity investments, equity instruments whose fair value cannot be determined in a sufficiently objective manner and financial derivatives that have as equity instruments subject and are settled by delivery of those instruments. The fair value of a financial instrument on a given date is taken to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it on an active, transparent and deep market (quoted price or market price). If there is no market price for a given financial instrument, its fair value is estimated on the basis of valuation techniques commonly used by the international financial community, according to the specific features of the instrument to be measured and, particularly, the various types of risk associated with it. All derivatives are recognized in the balance sheets at fair value from the trade date. If the fair value is positive, they are recognized as assets and if the fair value is negative, they are recognized as liabilities. The changes in the fair value of derivatives from the trade date are recognized in “Gains (losses) on financial assets and liabilities” in the consolidated income statement. Specifically, the fair value of standard financial derivatives included in the portfolios of financial assets or liabilities held for trading is deemed to be their daily quoted price and if, for exceptional reasons, the quoted price cannot be determined on a given date, these financial derivatives are measured using methods similar to those used to measure over the counter “OTC” derivatives. The fair value of OTC derivatives is taken to be the sum of the future cash flows arising from the instrument, discounted to present value at the date of measurement (“present value” or “theoretical close”) using valuation techniques commonly used by the financial markets: “net present value” (NPV), option pricing models and other methods. “Financial Assets Measured At Amortized Cost” and “Held-to-maturity investments” are measured at amortized cost using the effective interest method. “Amortized cost” is the acquisition cost of a financial asset or liability plus or minus, as appropriate, the principal repayments and the cumulative amortization (taken to the income statement) between the difference of the initial cost and the maturity amount. In the case of financial assets, amortized cost furthermore includes any reductions for impairment or uncollectibility. In the case of loans and receivables hedged in fair value hedges, the changes in the fair value of these assets related to the risk or risks being hedged are recognized. The “effective interest rate” is the discount rate that exactly matches the initial amount of a financial instrument to all its estimated cash flows of all kinds over its remaining life. For fixed rate financial instruments, the effective interest rate coincides with the contractual interest rate established on the acquisition date plus, where applicable, the fees and transaction costs that, because of their nature, form part of their financial return. In the case of floating rate financial instruments, the effective interest rate coincides with the rate of return prevailing in all connections until the next benchmark interest reset date. Equity instruments whose fair value cannot be determined in a sufficiently objective manner are measured at acquisition cost adjusted, where appropriate, by any related impairment loss. The amounts at which the financial assets are recognized represent, in all material respects, the Bank’s maximum exposure to credit risk at each reporting date. Also, the Bank has received collateral and other credit enhancements to mitigate its exposure to credit risk, which consist mainly of mortgage guarantees, cash collateral, equity instruments and personal security, assets leased out under leasing and renting agreements, assets acquired under repurchase agreements and securities loans and derivatives. ii. Measurement of financial liabilities In general, financial liabilities are measured at amortized cost, as defined above, except for those included under “Financial Assets Measured at Fair Value Through Profit or Loss” and “Other financial liabilities at fair value through profit or loss” and financial liabilities designated as hedge items (or hedging instruments) in fair value hedges, which are measured at fair value. iii. Recognition of fair value changes As a general rule, changes in the carrying amount of financial assets and liabilities are recognized in the consolidated income statement, distinguishing between those arising from the accrual of interest and similar items -which are recognized under “Interest and similar income” or “Interest expense and similar charges”, as appropriate - and those arising for other reasons, which are recognized at their net amount in the heading “Gains (losses) on financial assets and liabilities (net)”. Adjustments due to changes in fair value arising from Available-for-sale financial assets are recognized temporarily in equity in then heading “Other Comprehensive Income”. Items charged or credited to this account remain in the Bank’s consolidated equity until the related assets are written-off, whereupon they are charged to the consolidated income statement. iv. Hedging transactions The consolidated entities use financial derivatives for the following purposes: i) to provide these instruments to clients who request them in the management of their market and credit risks; ii) to use these derivatives in the management of the risks of the Bank entities' own positions and assets and liabilities (“hedging derivatives”); and iii) to obtain gains from changes in the prices of these derivatives (“financial derivatives”). Financial derivatives that do not qualify for hedge accounting are treated for accounting purposes as trading derivatives. A derivative qualifies for hedge accounting if all the following conditions are met: 1. The derivative hedges one of the following three types of exposure: a. Changes in the fair value of assets and liabilities due to fluctuations, among other, in the interest rate and/or exchange rate to which the position or balance to be hedged is subject (“fair value hedge”); b. Changes in the estimated cash flows arising from financial assets and liabilities, commitments and highly probable forecast transactions (“cash flow hedge”); c. The net investment in a foreign operation (hedge of a net investment in a foreign operation). 2. It is effective in offsetting exposure inherent in the hedged item or position throughout the expected term of the hedge, which means that: a. At the date of arrangement the hedge is expected, under normal conditions, to be highly effective (prospective effectiveness). b. There is sufficient evidence that the hedge was actually effective during the whole life of the hedged item or position (retrospective effectiveness). 3. There must be adequate documentation evidencing the specific designation of the financial derivative to hedge certain balances or transactions and how this effective hedge was expected to be achieved and measured, provided that this is consistent with the Bank’s management of own risks. The changes in value of financial instruments qualifying for hedge accounting are recognized as follows: a. In fair value hedges, the gains or losses arising on both the hedging instruments and the hedged items (attributable to the type of risk being hedged) are recognized directly in the consolidated income statement. b. In cash flow hedges, the effective portion of the change in value of the hedging instrument is recognized temporarily in equity under “Other comprehensive Income - Cash flow hedges” until the forecast transactions occur, when it is recognized in the consolidated income statement, unless, if the forecast transactions result in the recognition of non-financial assets or liabilities, it is included in the cost of the non-financial asset or liability. The ineffective portion of the change in value of hedging derivatives is recognized directly in the consolidated income statement. c. The ineffective portion of the gains and losses on the hedging instruments of cash flow hedges and hedges of a net investment in a foreign operation are recognized directly under “Gains (losses) on financial assets and liabilities (net)” in the consolidated income statement. If a derivative designated as a hedge instrument no longer meets the requirements described above due to expiration, ineffectiveness or for any other reason, the derivative is classified as a derivative measured at fair value through profit or loss. When fair value hedge accounting is discontinued (expired, sold our no longer meet hedge accounting criteria) the adjustments previously recognized on the hedged item are transferred to profit or loss at the effective interest rate re-calculated at the date of hedge discontinuation. The adjustments must be fully amortized at maturity. When cash flow hedges are discontinued, any cumulative gain or loss on the hedging instrument recognized in equity in the heading "Other comprehensive Income” (from the period when the hedge was effective) remains recognized in equity until the forecast transaction occurs at which time it is recognized in profit or loss, unless the transaction is no longer expected to occur, in which case any cumulative gain or loss is recognized immediately in profit or loss. For the accounting and disclosure of the hedge accounting structures as of December 31, 2019, the bank used the faculty of IFRS 9, to maintain the practices determined by IAS 39. f) Settlement of financial assets and liabilities Write-off of Financial Assets The Bank derecognizes a financial asset when the contractual rights to the cash flows from the asset expire or when it transfers the rights to receive the contractual cash flows in a transaction in which essentially all the risks and rewards of ownership of the financial asset are transferred or in which the Bank does not transfer or retain substantially all the risks and rewards of ownership of the financial asset and does not control the financial asset. On derecognition of a financial asset, the difference between the carrying amount of the asset (or carrying amount allocated to the portion of the asset derecognized) and the sum of (i) the consideration received (including any new asset obtained, less any new liability assumed) and (ii) any accumulated gains or losses recognized in “Other Comprehensive Income” are recorded in income. As of the IFRS opening date, mentioned above, any accumulated gains/losses recognized in “Other Comprehensive Income” in relation to equity instruments designated at fair value through Other Comprehensive Income are not recorded in income upon derecognition of these securities. The Bank carries out operations in which it transfers the assets recognized in its balance sheet, but retains all or substantially all the risks and benefits of the transferred assets or part of them. In these cases, the transferred assets are not written off. Examples of these operations include assignments of loan portfolios with recourse. In transactions in which the Bank does not retain or transfer substantially all the risks and rewards of ownership of a financial asset and controls the asset, the Bank continues to recognize the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. Write-off of Financial Assets by Assignment of Credit The accounting treatment of transfers of financial assets depends on the extent to which the risks and rewards associated with the transferred assets are transferred to third parties: 1. If the Bank transfers substantially all the risks and rewards to third parties-unconditional sale of financial assets, sale of financial assets under an agreement to repurchase them at their fair value at the date of repurchase, sale of financial assets with a purchased call option or written put option that is deeply out of the money, securitization of assets in which the transferor does not retain a subordinated debt or grant any credit enhancement to the new holders, and other similar cases, the transferred financial asset is derecognized and any rights or obligations retained or created in the transfer are recognized simultaneously. 2. If the Bank retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets under an agreement to repurchase them at a fixed price or at the sale price plus interest, a securities lending agreement in which the borrower undertakes to return the same or similar assets, and other similar cases, the transferred financial asset is not derecognized and continues to be measured by the same criteria as those used before the transfer. However, the following items are recognized: a. An associated financial liability, for an amount equal to the consideration received; this liability is subsequently measured at amortized cost. b. The income from the transferred financial asset not derecognized and any expense incurred on the new financial liability. 3. If the Bank neither transfers or retains substantially all the risks and rewards associated with the transferred financial asset - sale of financial assets with a purchased call option or written put option that is not deeply in or out of the money, securitization of assets in which the transferor retains a subordinated debt or other type of credit enhancement for a portion of the transferred asset, and other similar cases, the following distinction is made: a. If the transferor does not retain control of the transferred financial asset, the asset is derecognized and any rights or obligations retained or created in the transfer are recognized. b. If the transferor retains control, it continues to recognize the transferred financial asset for an amount equal to its exposure to changes in value and recognizes a financial liability associated with the transferred financial asset. The net carrying amount of the transferred asset and the associated liability is the amortized cost of the rights and obligations retained, if the transferred asset is measured at amortized cost, or the fair value of the rights and obligations retained, if the transferred asset is measured at fair value. Write-off of Financial Liabilities The Bank writes off a financial liability when its contractual obligations are extinguished, canceled or when they expire. g) Offsetting of financial instruments Financial asset and liability balances are offset (i.e. reported in the consolidated balance sheets at their net amount) only if the Bank and their subsidiaries currently have a legally enforceable right to set off the recognized amounts and intend either to settle on a net basis, or to realize the asset and settle the liability simultaneously, as provided for in IFRS 7 / IAS 32, additionally the Bank has an agreement for the clearing and settlement of obligations under the National Financial System (SFN), signed with individuals and legal entities, whether or not members of the SFN, resulting in higher financial settlement guarantee, with the parties that have this modality of agreement. These agreements establish that payment obligations to Banco Santander arising from credit and derivative operations, in the event of default by the counterparty, will be offset against Banco Santander's payment obligations with the counterparty. The following table provides details of financial assets and liabilities subject to offsetting at December 31, 2021, 2020 and 2019: Thousand of reais 202

Basis of consolidation

Basis of consolidation	12 Months Ended
	Dec. 31, 2021
Basis of consolidation	3. Basis of consolidation Below are highlighted the controlled entities and investment funds included in the consolidated financial statements of Banco Santander. Similar information regarding companies accounted by the equity method by the Bank is provided Quantity of Shares or Quotas Owned (in Thousands) 12/31/2021 Investments Activity Common Shares and Quotas Preferred Shares Direct Participation Consolidated Participation Controlled by Banco Santander Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. Recovery of Defaulted Credits 2,142,011 - 100.00% 100.00% Aymoré Crédito, Financiamento e Investimento S.A. (Aymoré CFI) Financial 2,877 - 100.00% 100.00% BEN Benefícios e Serviços S.A. (BEN Benefícios) Other Activities 90,000 - 100.00% 100.00% Esfera Fidelidade S.A. Other Activities 10,001 - 100.00% 100.00% GIRA - Gestão Integrada de Recebíveis do Agronegócio S.A. Tecnology 381 - 80.00% 80.00% Rojo Entretenimento S.A. Other Activities 7,417 - 94.60% 94.60% Sanb Promotora de Vendas e Cobrança Ltda. Other Activities 30,988 - 100.00% 100.00% Sancap Investimentos e Participações S.A. (Sancap) Holding 23,538,159 - 100.00% 100.00% Santander Brasil Administradora de Consórcio Ltda. (Santander Brasil Consórcio) Buying Club 436,441 - 100.00% 100.00% Santander Corretora de Títulos e Valores Mobiliários S.A. (Santander CCVM) Broker 14,067,640 14,067,640 99.99% 100.00% Santander Corretora de Seguros, Investimentos e Serviços S.A. (Santander Corretora de Seguros) Other Activities 7,184 - 100.00% 100.00% Santander Holding Imobiliária S.A. Holding 558,601 - 100.00% 100.00% Santander Leasing S.A. Arrendamento Mercantil (Santander Leasing) Leasing 164 - 100.00% 100.00% F1RST Tecnologia e Inovação Ltda. Other Activities 196,979 - 100.00% 100.00% Paytec Tecnologia em Pagamentos Ltda. Other Activities 348 - 100.00% 100.00% SX Negócios Ltda. Other Activities 75,050 - 100.00% 100.00% Controlled by Aymoré CFI Bank PSA Bank 105 - 0.00% 50.00% Bank Hyundai Capital Brasil S.A. Bank 150,000 - 0.00% 50.00% Solutions 4Fleet Other Activities 328 - 0.00% 80.00% Controlled by Santander Leasing Bank Bandepe S.A. Bank 3,589 - 0.00% 100.00% PI Distribuidora de Títulos e Valores Mobiliários S.A. Leasing 348 - 0.00% 100.00% Controlled by Sancap Santander Capitalização S.A. (Santander Capitalização) Capitalization 64,615 - 0.00% 100.00% Evidence Previdência S.A. Private Pension 42,819,564 - 0.00% 100.00% Controlled by Santander Holding Imobiliária S.A. Summer Empreendimentos Ltda. Other Activities 17,084 - 0.00% 100.00% Apê11 Tecnologia e Negócios Imobiliários S.A. Other Activities 3,808 - 0,00% 90,00% Controlled by Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. Return Capital Serviços de Recuperação de Créditos S.A. Collection and Recover of Credit Management 200 - 0.00% 100.00% Liderança Serviços Especializados em Cobranças Ltda. Collection and Recover of Credit Management 250 - 0.00% 100.00% Controlled by Paytec Tecnologia em Pagamentos Ltda. Paytec Logística e Armazém Ltda. Other Activities 100 - 0.00% 100.00% Controlled by PI Distribuidora de Títulos e Valores Mobiliários S.A. Toro Corretora de Títulos e Valores Mobiliários Ltda. Broker 19,140 - 0.00% 60.00% Controlled by Toro Corretora de Títulos de Valores Mobiliários Ltda. Toro Investimentos S.A. Broker 98,400 - 0.00% 100.00% Jointly Controlled Companies by Sancap Santander Auto S.A. Other Activities 22,452 - 0.00% 50.00% Consolidated Investment Funds ● Santander Fundo de Investimento Amazonas Multimercado Crédito Privado de Investimento no Exterior (Santander FI Amazonas); ● Santander Fundo de Investimento Diamantina Multimercado Crédito Privado de Investimento no Exterior (Santander FI Diamantina); ● Santander Fundo de Investimento Guarujá Multimercado Crédito Privado de Investimento no Exterior (Santander FI Guarujá); ● Santander Fundo de Investimento Unix Multimercado Crédito Privado (Santander FI Unix); ● Santander Fundo de Investimento SBAC Referenciado DI Crédito Privado (Santander FI SBAC); ● Santander Paraty QIF PLC (Santander Paraty) (2); ● Prime 16 – Fundo de Investimento Imobiliário (atual denominação do BRL V - Fundo de Investimento Imobiliário - FII) (1); ● Santander FI Hedge Strategies Fund (Santander FI Hedge Strategies) (2); ● Fundo de Investimento em Direitos Creditórios Multisegmentos NPL Ipanema VI - Não Padronizado (Fundo Investimento Ipanema NPL VI) (3); ● Santander Hermes Multimercado Crédito Privado Infraestrutura Fundo de Investimentos (4); ● Fundo de Investimentos em Direitos Creditórios Atacado – Não Padronizado (5); ● Atual - Multimarket Investment Fund Private Credit Investment Abroad (6); ● Verbena FCVS – Fundo de Investimento em Direitos Creditórios(7). (1) Banco Santander was a creditor of certain overdue credit operations that had real estate as collateral. The operation for the recovery of these credits consists of the contribution of properties as collateral to the capital of the Real Estate Investment Fund and the consequent transfer of the Fund's quotas to Banco Santander, by means of a payment in payment of the aforementioned credit operations. At the Extraordinary General Meeting (AGE) held on October 30, 2018, the change of name from BRL V - Fundo de Investimento Imobiliário - FII to Prime 16 - Fundo de Investimento Imobiliário was approved. (2) Banco Santander, through its subsidiaries, holds the risks and benefits of Santander Paraty and the Santander FI Hedge Strategies Sub-Fund, residing in Ireland, and both are fully consolidated in their Consolidated Financial Statements. In the Irish market, an investment fund cannot act directly and, for this reason, it was necessary to create another structure (a sub-fund), Santander FI Hedge Strategies. Santander Paraty does not have an equity position, and all records come from the financial position of Santander FI Hedge Strategies. (3) This fund was created and started to be consolidated in September 2017. It refers to a structure in which Banco Santander sold certain credit operations, which had already been transferred to losses (operations overdue for more than 360 days) to this fund. Atual Serviços de Recuperação de Creditos e Meios Digitais S.A. (current corporate name of Atual Companhia Securitizadora de Creditos Financeiros), a company controlled by Banco Santander, holds 100% of the shares in this fund. (4) This fund was consolidated in November 2018 and is controlled through Banco Bandepe S.A. (5) This fund started to be consolidated in June 2019 and is controlled through Atual Serviços de Recuperação de Creditos e Meios Digitais S.A. (6) This fund started to be consolidated in August 2020 and is controlled through Atual Serviços de Recuperação de Creditos e Meios Digitais S.A. (7) This fund was consolidated in February 2021 and is controlled through Banco Santander Brasil S.A. It holds 100% of the shares in this fund. Corporate movements were implemented in order to reorganize the operations and activities of the entities in accordance with the business plan of the Santander Conglomerate. i) Acquisition of equity interest in Apê11 Tecnologia e Negócios Imobiliários Ltda. On September 2, 2021, Santander Holding Imobiliária S.A. (“SHI”) – a wholly owned subsidiary of the Company – celebrated, with the partners of Apê11 Tecnologia e Negócios Imobiliários Ltda. (“Apê11”), certain Share Purchase and Sale Agreement and Investment Agreement, by which, once the transaction is carried out, it will hold 90% of the capital stock of Apê11 (“Transaction”). Apê11 acts as a collaborative marketplace, pioneering the digitization of the purchase journey of houses and apartments. After the fulfillment of the precedent conditions established in the Share Purchase and Sale Investment Agreement, the closing of the Transaction was formalized on December 16, 2021. ii) Acquisition of equity interest in Liderança Serviços Especializados em Cobranças Ltda. and Fozcobra Agência de Collections Ltda. On August 4, 2021, Atual Serviços de Recovery de Créditos e Meios Digitais S.A. (“Atual”) – a wholly-owned subsidiary of the Company – celebrated, with the partners of Liderança Serviços Especializados em Cobranças Ltda. (“Liderança”), a certain Agreement for the Assignment of Quotas and Other Covenants, whereby, once the transaction is carried out, it will hold 100% of the share capital of Liderança (“Transaction”). Liderança operates in the area of overdue credit recovery, providing extrajudicial collection services to financial institutions of different sizes, retail networks, telecommunications operators and automakers, among others, and has a subsidiary, Fozcobra Agência de Cobranças Ltda. After the fulfillment of the precedent conditions established in the Agreement for the Assignment of Quotas and Other Covenants, the closing of the Transaction was formalized on October 1, 2021. Subsequently, Fozcobra was merged into Leadership on October 4, 2021. iii) Acquisition of Equity Interest in Solutions 4Fleet Consultoria Empresarial Ltda. On July 13, 2021, Aymoré Crédito, Financiamento e Investimento S.A. (“Aymoré”), celebrated with the partners of Solution 4Fleet Consultoria Empresarial Ltda. (“Solutions 4Fleet”), certain Investment Agreement and Share Purchase and Sale Agreement, by which, once the transaction is carried out, Aymoré will hold 80% of the capital stock of Solution 4Fleet (“Transaction”). Solutions 4Fleet specializes in structuring vehicle rental and subscription businesses – long-term rental for individuals. After the fulfillment of the precedent conditions established in the Share Purchase and Sale Investment Agreement, the closing of the Transaction was formalized on October 8, 2021. iv) Acquisition of equity interest in Car10 Tecnologia e Informação S.A and Pag10 Fomento Mercantil Eireli. On July 13, 2021, Webmotors S.A. (“Webmotors”), celebrated with the partners of Car10 Tecnologia e Informação S.A. (“Car10 Tecnologia”) and Pag10 Fomento Mercantil Eireli (“Pag10” and, together with Car10 Tecnologia, “Car10”), certain Investment Agreements and Share Purchase and Sale Agreements, under which, once the transaction is carried out, Webmotors will hold approximately 66.7% of the share capital of Car10 Tecnologia, which, in turn, is the sole holder of Pag10 (“Transaction”). Car10 acts as a marketplace that brings together more than 7,000 service providers such as workshops and autocenters; auto body and Paint; and cleaning and sanitizing, as well as emergency assistance and towing. After compliance with the condition’s precedent established in the Investment Agreement for the Purchase and Sale of Shares, the closing of the Transaction was formalized on September 20, 2021. v) Acquisition of Equity Interest in Monetus Investimentos Ltda. and Monetus Corretora de Seguros Ltda. On June 15, 2021, Pi Distribuidora de Títulos e Valores Mobiliários S.A. (“Pi”), Toro Corretora de Títulos e Valores Mobiliários S.A. (“Toro CTVM”), and Toro Investimentos S.A. (“Toro Investimentos” and, together, with Toro CTVM, “Toro”) entered into, with the partners of Monetus Investimentos Ltda., and Monetus Corretora de Seguros Ltda. (jointly “Monetus”), investment agreement and other covenants, whereby, once the transaction is carried out, Toro Investimentos will hold 100% of the capital stock of Monetus (“Transaction”). Monetus, originally from Belo Horizonte, carries out its activities through an automated investment application based on objectives, after considering the client's needs and risk profile, the application automatically creates, executes and tracks a diversified and personalized investment strategy that use the platform to undertake and serve customers in the best way. The execution of the Transaction will be subject to the execution of the definitive instruments and the implementation of certain usual conditions in this type of transaction, including the applicable regulatory approvals. vi) Acquisition of Equity Interest in Mobills Labs Soluções em Tecnologia Ltda. and Mob Soluções em Tecnologia Ltda. On June 15, 2021, Pi Distribuidora de Títulos e Valores Mobiliários S.A. (“Pi”), Toro Corretora de Títulos e Valores Mobiliários S.A. (“Toro CTVM”), and Toro Investimentos S.A. (“Toro Investimentos” and, together, with Toro CTVM, “Toro”) entered into, with the partners of Mobills Labs Soluções em Tecnologia Ltda., and Mob Soluções em Tecnologia Ltda. (together “Mobills”), an investment agreement and other covenants, by which, once effective In the transaction, Toro Investimentos will hold 100% of the capital stock of Mobills (“Transaction”). Based in Ceará, Mobills has a variety of financial applications that have a large user base, especially related to financial planning. The execution of the Transaction will be subject to the execution of the definitive instruments and the implementation of certain usual conditions in this type of transaction, including the applicable regulatory approvals. vii) Corporate reorganization Santander Leasing S.A. Arrendamento Mercantil and Banco Bandepe S.A. On May 11, 2021, Banco Santander (Brasil) S.A. (“Banco Santander”) and Banco Bandepe S.A. (“Bandepe”) entered into a Share Purchase Agreement through which Banco Santander acquired the entire interest shareholding held by Bandepe in Santander Leasing S.A. Arrendamento Mercantil (“Santander Leasing”), which corresponds to 21.42%. In this operation, Banco Santander became the sole shareholder of Santander Leasing. On May 27, 2021, the merger of all the shares of Bandepe by Santander Leasing was resolved, in order to convert Bandepe into a wholly owned subsidiary of Santander Leasing (“Incorporation of Shares”). The Merger of Shares resulted in an increase in the capital stock of Santander Leasing of R$ 5,365,189,080.65 (five billion, three hundred and sixty-five million, one hundred and eighty-nine thousand, eighty reais and sixty-five cents), in reason for the merger of shares issued by Banco Bandepe held by Banco Santander. viii) Partial spin-off and segregation of Getnet Adquirência e Serviços para Meios de Pagamentos S.A. After the approval of the studies and favorable proposal of the Board of Directors of Santander Brasil, on March 31, 2021, the shareholders of Santander Brasil approved the partial spin-off of Santander Brasil, for the segregation of shares owned by them issued by Getnet Acquirência e Serviços for Meios de Pagamentos S.A. (“Getnet”), with a version of the split portion for Getnet itself. Upon completion of the spin-off, the shareholders of Santander Brasil will become direct shareholders of Getnet in proportion to their participation in the capital of Santander Brasil and the shares and Units of Santander Brasil will be traded with the right to receive the shares and Units of issue of Getnet. As a result of the Spin-off, Santander Brasil's share capital was reduced in the total amount of 2,000,000 (two billion reais), without the cancellation of shares, with Santander Brasil's share capital increasing to 57,000,000 (fifty-seven billion reais) to 55,000,000 (fifty-five billion reais). ix) Signing of an agreement for the Acquisition of Paytec Tecnologia em Pagamentos Ltda. and Paytec Logística e Armazém Eireli. On December 8, 2020, Banco Santander celebrated, with the partners and owners of Paytec Tecnologia em Pagamentos Ltda. and Paytec Logística and Armazém Eireli (together “Paytec”), a share purchase and sale agreement, transfer of ownership and other covenants, whereby, once the transaction is carried out, it will hold 100% of the share capital of Paytec. Paytec acts as a logistics operator with national coverage and focused on the payments market. After approval of the transaction by the Central Bank of Brazil, the transaction was carried out on March 12, 2021, with Banco Santander now holding 100% of the share capital of the Paytec companies. x) Dissolution and liquidation of Santander Brasil, Establecimiento Financiero de Credito, S.A. On November 12, 2020, by decision of its sole partner, the dissolution and liquidation of Santander Brasil, Establecimiento Financiero de Credito, S.A. (which had its corporate name changed to Santander Brasil, SAU), an offshore entity headquartered in Spain, was approved. fully owned by Banco Santander Brasil, which acted to complement the foreign trade strategy for corporate clients (large Brazilian companies and their operations abroad) and to offer financial products and services. The capital invested abroad was repatriated in November 2020. The company's dissolution and liquidation deed were registered in the Madrid Registry with effect from December 15, 2020. These activities are now carried out by the Bank's branch in Luxembourg. xi) Disposal of Investments in Norchem Holding e Negócios S.A. and Norchem Participações e Consultoria S.A. On October 8, 2020, Banco Santander (Brasil) S.A. withdrew from the shareholder structure of Norchem Participações e Consultoria SA (NPC) and Norchem Holding e Negócios S.A. (NHN), upon capital reduction in the amounts of R$19,950 million and R$14,770 million, respectively, and consequent cancellation of shares held by Banco Santander (Brasil) S.A. xii) Acquisition of Equity Interest in Toro Controle On September 29, 2020, Pi Distribuidora de Títulos e Investimentos S.A. (“Pi”), which is indirectly controlled by Banco Santander, entered into an investment agreement with the shareholders of Toro Controle e Participações S.A. (“Toro Controle”) and other covenants. Toro Controle had been a holding company that, ultimately, had controlled Toro Corretora de Títulos e Valores Mobiliários Ltda. (“Toro CTVM”) and Toro Investimentos S.A. (“Toro Investimentos” and, together, “Toro”). Toro is an investment platform founded in Belo Horizonte in 2010. In 2018, it received the necessary authorizations and started its operation as a securities brokerage aimed at the retail public. After compliance with all applicable conditions precedent, including approval by the Central Bank of Brazil, the transaction was carried out on April 30, 2021, with the acquisition of shares representing 60% of the capital stock of Toro Controle and its immediate incorporation by Toro CTVM, so that Pi became the direct holder of the equivalent of 60% of the share capital of Toro CTVM which, in turn, holds 100% of the share capital of Toro Investimentos. xiii) Signing of an Agreement for the Acquisition of Equity Interest in Gira – Gestão Integrada de Recebíveis do Agronegócio S.A. On August 11, 2020, Banco Santander signed a share purchase and sale agreement and other agreements with the shareholders of Gira – Integrated Management of Receivables of Agronegócio S.A. Gira is a technology company that operates in the management of agribusiness receivables and has a robust technological platform, capable of adding greater security to agricultural credit operations. Upon compliance with the conditions established in the contract, in particular the applicable regulatory approvals, the parties formalized the definitive instruments on January 8, 2021. With the completion of the transaction, Banco Santander now holds 80% of Gira's share capital. xiv) Acquisition of direct equity interest in Toque Fale Serviços de Telemarketing Ltda. On March 24, 2020, the Bank acquired the shares representing the entire share capital of Toque Fale Serviços de Telemarketing Ltda. (“Toque Fale”) for R$1,099 million, corresponding to the book value of the shares on February 29, 2020, previously held by Getnet Acquirência e Serviços para Meios de Pagamento S.A. and Auttar HUT Processamento de Dados Ltda. As a result, the Bank became a direct shareholder of Toque Fale and holder of 100% of its capital. xv) Disposal of the equity interest held in Super Pagamentos e Administração de Meios Eletrônicos S.A. On February 28, 2020, the equity interest held in Super Pagamentos e Administração de Meios Eletrônicos S.A. was sold to Superdigital Holding Company, SL, a company indirectly controlled by Banco Santander, S.A., of the shares representing the totality of the share capital of Super Payments and Administration of Meios Eletrônicos S.A. (“Superdigital”) for the amount of R$270 million. As a result, the Bank is no longer a shareholder of Superdigital. xvi) Acquisition of Summer Empreendimentos Ltda. On May 14, 2019, Banco Santander (Brasil) S.A. and its wholly owned subsidiary Santander Holding Imobiliária S.A. (“SHI”) entered into a binding document with the partners of Summer Empreendimentos Ltda. (“Summer”) establishing the terms of the negotiation of purchase and sale of shares representing the entirety of Summer's capital stock. The acquisition was approved by BACEN on September 16, 2019 and concluded on September 20, 2019, so that SHI now holds 99.999% and Banco Santander 0.001% of the shares representing Summer's capital stock. Due to the Entity's short-term sale plan, Summer was initially recorded as an Asset Held by Sale, at its cost value. In June 2020, with the non-execution of the established plan, Summer became part of the scope of Banco Santander's Consolidated Financial Statements. xvii) Sale option of interest in Banco Olé Consignado S.A. and merger of Banco Olé Consignado S.A. and Bosan Participações S.A. On March 14, 2019, the minority shareholder of Banco Olé Consignado S.A. (“Banco Olé”) formalized its interest in exercising the put option provided for in the Investment Agreement, entered into on July 30, 2014, for the sale of its interest in 40% in the share capital of Olé Consigned to Banco Santander (Brasil) S.A. (“Banco Santander”). On December 20, 2019, the parties entered into a binding agreement for the acquisition, by Banco Santander, of all shares issued by Bosan Participações S.A. (holding whose only asset are shares representing 40% of Banco Olé's share capital), for the amount total of R$1.6 billion (“Transaction”), to be paid on the closing date of the Transaction. On January 31, 2020, the Bank and the shareholders of Bosan Participações S.A. (“Bosan”) concluded the definitive agreement and signed the purchase and sale agreement for 100% of the shares issued by Bosan, through the transfer of Bosan's shares to Bank and payment to sellers in the total amount of R$1,608,772. As a result, Banco Santander became, directly and indirectly, the holder of 100% of the shares of Banco Olé. On August 31, 2020, Banco Santander shareholders approved th e merger by the Bank of Banco Olé Consignado S.A. and Bosan Participações S.A. The mergers did not result in an increase in the share capital of Santander Brasil.

Cash and balances with the Braz

Cash and balances with the Brazilian Central Bank	12 Months Ended
	Dec. 31, 2021
Cash and balances with the Brazilian Central Bank	4. Cash and balances with the Brazilian Central Bank Cash and balances with the Brazilian Central Bank Thousand of reais 2021 2020 2019 Cash and cash equivalents 16,657,201 20,148,725 20,127,364 of which: Cash 4,026,282 4,266,197 4,877,849 Cash and Foreign currency application abroad 12,630,919 15,882,528 15,249,515 Total 16,657,201 20,148,725 20,127,364

Loans and amounts due from cred

Loans and amounts due from credit institutions	12 Months Ended
	Dec. 31, 2021
Loans and amounts due from credit institutions	5. Loans and amounts due from credit institutions The breakdown, by classification, type and currency, of the balances of “Loans and amounts due from credit institutions” in the consolidated financial statements is as follows: (1) Guaranteed by debt instruments. (2) Changes refers substantially to the effect of the write-off of receivables from Getnet spin-off. Loans and amounts due from credit institutions - Currency Thousand of reais 2021 2020 2019 Currency: Brazilian Real 91,889,990 109,287,868 107,693,973 US dollar 2,445,781 2,778,911 1,401,601 Euro 1,350,808 792,061 151, 674 Total 95,686,579 112,858,840 109,247,248 Cash equivalents Thousand of reais 2021 2020 2019 Cash equivalents: Short-term transactions and low risk of change in its value (1) 16,011,548 8,298,083 1,316,299 (1) The Amount refers to investments in the open market (repurchase agreements) and investments in interbank deposits (CDI) at short term Note 43-d contains a detail of the residual maturity periods of financial assets measured at amortized cost.

Debt instruments

Debt instruments	12 Months Ended
	Dec. 31, 2021
Debt instruments	6. Debt instruments The breakdown, by classification, type and currency, of the balances of “Debt instruments” is as follows Thousand of reais 2021 2020 2019 Classification: Financial assets measured at fair value through profit or loss 3,122,017 3,545,660 3,735,076 Financial assets measured at fair value through profit or loss held for trading 47,752,595 68,520,799 34,885,631 Financial assets measured at fair value through other comprehensive income 101,212,600 109,668,214 95,962,927 Financial assets measured at amortized cost 73,125,011 48,367,791 38,748,296 Of which: Debt instruments 74,315,903 49,945,226 40,803,323 Impairment losses (1,190,892) (1,577,435) (2,055,027) Total 225,212,223 230,102,464 173,331,930 Type: Government securities - brazil (1) 171,436,589 191,896,439 135,848,053 Debentures and promissory notes 19, 881,934 17,071,856 13,874,883 Other debt securities (2) 33,893,700 21,134,169 23,608,994 Total 225,212,223 230,102,464 173,331,930 (1) Includes, substantially, National Treasury Bills (LTN), Treasury Bills (LFT) e National Treasury Notes (NTN-A, NTN-B, NTN-C e NTN-F). (2) Substantially refer to securities issued by the Official Credit Institute (ICO) of Spain. The debt instruments are composed, majority by Thousand of reais 2021 2020 2019 Currency: Brazilian Real 208,599,863 207,752,590 164,447,235 US dollar 16,612,360 22,292,647 8,884,695 Euro - 57,227 - Total 225,212,223 230,102,464 173,331,930 Debt Instruments linked to Thousand of reais 2021 2020 2019 Debt Instruments linked to: Repo Operations 76,211,049 101,371,733 102,849,859 Operations guarantees in B3 S.A. - Brasil, Bolsa, Balcão (B3 S.A.) 19,470,624 12,963,251 6,618,651 Associated to judiciary deposits and other guarantees (1) 23,291,528 9,665,135 9,573,331 Total 118,973,201 124,000,119 119,041,841 (1) Substantially refers to securities issued by the Official Credit Institute (ICO) of Spain. Note 43-d contains details of the residual maturity periods of financial assets measured at fair value through Other Results Comprehensive and corresponding financial assets measured at amortized cost.

Equity instruments

Equity instruments	12 Months Ended
	Dec. 31, 2021
Equity Instruments
Equity instruments	7. Equity instruments a) Breakdown The breakdown, by classification and type, of the balances of “Equity instruments” is as follows Thousand of reais 2021 2020 2019 Classification: Financial assets measured at fair value through profit or loss held for trading 2,020,610 1,818,276 2,029,470 Non-trading financial assets mandatorily measured at fair value through profit or loss 477,707 438,912 171,453 Financial assets measured at fair value through other comprehensive income 29,187 72,173 157,306 Total 2,527,504 2,329,361 2,358,229 Type: Shares of Brazilian companies 1,869,824 1,953,128 665,027 Shares of foreign companies 48,825 13,617 - Investment funds (1) 608,855 362,616 1,693,202 Total 2,527,504 2,329,361 2,358,229 (1) Composed mainly by investment on fixed income, public and private securities. b) Changes The changes in the balance of “ Equity instruments – Financial assets measured at fair value through profit or loss held for trading” were as follows Equity instruments - Financial assets measured at fair value through profit or loss held for trading Thousand of reais 2021 2020 2019 Balance at beginning of year 1,818,276 2,029,470 766,333 Net additions (disposals) / adjustments 202,334 (211,194) 1,263,137 Balance at end of year 2,020,610 1,818,276 2,029,470 The changes in the balance of “ Equity instruments – Non-Trading Financial Assets Mandatorily Measured at Fair Value Through Profit or Loss” were as follows: Equity instruments - Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss Thousand of reais 2021 2020 2019 Balance at beginning of year 438,912 171,453 298,297 Net additions (disposals) / adjustments 38,795 267,459 (126,844) Balance at end of year 477,707 438,912 171,453 The changes in the balance of “ Equity instruments – Financial Assets Measured at Fair Value Through Other Comprehensive Income” were as follows: Equity instruments - Financial Assets Measured At Fair Value Through Other Comprehensive Income Thousand of reais 2021 2020 2019 Balance at beginning of year 72,173 157,306 40,986 Net additions (disposals) / adjustments (42,986) (85,133) 116,320 Balance at end of year 29,187 72,173 157,306

Derivative financial instrument

Derivative financial instruments and short positions	12 Months Ended
	Dec. 31, 2021
Derivative financial instruments and short positions	Forward and Other Contracts” in the amounts of BRL 2,623,106 1,624,834 Summary by Category Summary by Category Trading 2021 2020 2019 Notional (1) Curve Value Fair Value Notional (1) Curve Value Fair Value Notional (1) Fair Value Swap 837,762,019 (1,804,744) (897,350) 398,925,842 (3,076,947) (3,597,969) 561,967,799 (1,823,534) Assets 418,137,448 13,162,674 7,641,355 278,752,387 6,249,519 14,729,642 282,164,189 147,010,930 CDI (Interbank Deposit Rates) 66,837,268 318,541 (778,177) 41,316,315 326,586 3,010,880 40,550,627 16,908,791 Fixed Interest Rate - Real 231,741,021 9,269,271 6,412,471 54,159,848 4,013,563 9,607,342 47,140,927 - Indexed to Price and Interest Rates 2,089,110 - (234,488) 5,124,411 - - 2,388,118 - Foreign Currency 91,837,446 799,550 2,003,728 178,076,136 959,322 1,039,529 192,084,517 130,102,139 Others 25,632,603 2,775,313 237,822 75,676 950,048 1,071,891 - - Liabilities 419,624,571 (14,967,418) (8,538,705) 120,173,455 (9,326,465) (18,327,611) 279,803,610 (148,834,464) CDI (Interbank Deposit Rates) 321,402,883 (4,171,481) (12,327,484) 33,239,801 (6,911,748) (13,693,733) 24,353,405 - Fixed Interest Rate - Real 48,874,762 (6,760,576) 2,467,425 45,088,689 (2,183,507) (2,772,479) 67,937,624 (24,079,732) Indexed to Price and Interest Rates 22,827,336 - (728,677) 33,026,692 - (450,958) 125,829,755 (123,445,067) Foreign Currency 887,129 (28,407) 2,287,852 6,636,885 (25) 153,695 60,394,529 - Others 25,632,461 (4,006,955) (237,822) 2,181,388 (231,186) (1,564,135) 1,288,297 (1,309,665) Options 1,130,172,099 (595,345) (885,703) 2,043,286,085 (282,110) 47,624 1,446,536,133 (1,222,465) Purchased Position 564,829,758 1,240,879 1,385,889 1,006,266,897 1,869,806 4,974,618 678,089,904 381,706 Call Option - US Dollar 9,898,179 271,464 382,237 1,188,387 47,898 39,202 171,871 (281) Put Option - US Dollar 4,094,316 140,280 187,123 1,948,673 79,019 109,075 1,456,975 4,355 Call Option - Other 31,248,540 459,995 510,976 134,761,947 558,794 1,093,583 98,154,363 818,664 Interbank Market 28,499,055 444,446 495,214 101,421,659 557,167 556,039 98,154,363 819,262 Others (2) 2,749,485 15,549 15,763 33,340,288 1,627 537,544 - (598) Put Option - Other 519,588,723 369,140 305,553 868,367,889 1,184,095 3,732,758 578,306,695 (441,032) Interbank Market 519,588,723 369,140 305,553 864,852,555 1,183,630 3,729,297 578,306,695 (440,959) Others (2) - - - 3,515,334 464 3,461 - (73) Sold Position 565,342,341 (1,836,224) (2,256,244) 1,037,019,188 (2,151,915) (4,926,994) 768,446,229 (1,604,171) Call Option - US Dollar 4,111,016 (170,553) (152,348) 1,537,670 (70,201) 699,243 254,945 (1,472) Put Option - US Dollar 4,017,161 (348,715) (287,825) 2,315,919 (137,061) (192,335) 263,994 (2,842) Call Option - Other 33,383,234 (719,460) (872,335) 130,919,394 (588,023) (453,919) 174,166,802 (440,731) Interbank Market 31,730,928 (713,773) (858,586) 120,156,285 (566,813) (464,405) 174,166,802 (440,959) Others (2) 1,652,305 (5,687) (13,749) 10,763,109 (21,210) 10,486 228 Put Option - Other 523,830,930 (597,497) (943,736) 902,246,206 (1,356,630) (4,979,984) 593,760,488 (1,159,126) Interbank Market 523,830,930 (597,497) (943,736) 869,328,317 (1,350,314) (4,597,427) 593,760,488 (1,159,038) Others (2) - - - 32,917,888 (6,316) (382,557) (88) Futures Contracts 287,984,278 - - 270,258,566 - - 433,873,180 - Purchased Position 148,237,279 - - 110,275,866 - - 72,912,029 - Exchange Coupon (DDI) 85,931,389 - - 12,438,695 - - 7,394,951 - Interest Rates (DI1 and DIA) 28,491,764 - - 97,837,171 - - 55,430,519 - Foreign Currency 33,797,350 - - - - - 9,978,419 - Indexes (3) 16,776 - - - - - - - Others - - - - - - 108,140 - Sold Position 139,746,999 - - 159,982,699 - - 360,961,151 - Exchange Coupon (DDI) 60,606,204 - - 73,114,014 - - 146,032,485 - Interest Rates (DI1 and DIA) 53,267,620 - - 67,958,767 - - 196,170,105 - Foreign Currency 25,678,296 - - 18,653,658 - - 17,305,604 - Indexes (3) 194,879 - - 256,261 - - 290,254 - Treasury Bonds/Notes - - - - - - 1,162,703 - Forward Contracts and Others 167,611,313 2,836,843 (1,711,352) 165,663,806 2,693,759 441,028 169,401,317 483,267 Purchased Commitment 93,097,212 5,345,415 12,112,679 96,309,648 1,370,654 6,543,254 79,970,842 3,120,284 Currencies 83,752,185 2,738,485 8,501,934 87,254,202 1,370,654 5,026,566 78,344,925 2,794,330 Others 9,345,027 2,606,930 3,610,745 9,055,447 - 1,516,688 1,625,917 325,954 Sold Commitment 74,514,101 (2,508,572) (13,824,032) 69,354,158 1,323,105 (6,102,227) 89,430,475 (2,647,017) Currencies 71,611,500 (1,141,826) (11,932,009) 64,986,757 1,323,328 (4,846,929) 87,801,864 (2,275,227) Others 2,902,602 (1,366,746) (1,892,023) 4,367,401 (223) (1,255,298) 1,628,611 (371,790) (1) Nominal value of updated contracts. (2) Includes options of index, mainly being options involving US treasury, shares and stock indexes. (3) Includes Bovespa and S&P index. a.2) Derivatives Financial Instruments by Counterparty Notional 2021 Related Financial Customers Parties Institutions (1) Total Swap 152,650,125 233,667,783 31,819,540 418,137,448 Options 1,127,446,708 1,641,361 1,084,030 1,130,172,099 Futures Contracts 287,984,278 - - 287,984,278 Forward Contracts and Others 70,457,399 96,857,222 296,692 167,611,313 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. Notional 2020 2019 Related Financial Customers Parties Institutions (1) Total Total Swap 40,241,232 97,784,443 140,726,712 278,752,387 282,164,189 Options 23,788,051 922,740 2,018,575,293 2,043,286,085 1,446,522,955 Futures Contracts 3,198,239 - 267,060,326 270,258,566 433,873,182 Forward Contracts and Others 67,837,797 49,447,532 45,755,371 163,040,700 169,401,317 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. a.3) Derivatives Financial Instruments by Maturity Notional 2021 Up to From 3 to Over 3 Months 12 Months 12 Months Total Swap 30,501,795 99,817,727 287,817,926 418,137,448 Options 749,406,698 128,500,299 252,265,102 1,130,172,099 Futures Contracts 167,320,563 45,239,639 75,424,076 287,984,278 Forward Contracts and Others 72,761,669 67,060,436 27,789,208 167,611,313 Notional 2020 2019 Up to From 3 to Over 3 Months 12 Months 12 Months Total Total Swap 58,388,872 98,073,784 122,289,731 278,752,387 282,164,189 Options 931,156,902 572,661,800 539,467,382 2,043,286,084 1,446,522,962 Futures Contracts 181,521,486 36,328,390 52,408,689 270,258,566 433,873,181 Forward Contracts and Others 104,098,351 33,788,798 25,153,551 163,040,700 169,401,317 a.4) Derivatives by Market Trading Notional Stock Exchange (1) Over the Counter 2021 Total Swap 111,418,682 306,718,767 418,137,448 Options 1,094,484,434 35,687,665 1,130,172,099 Futures Contracts 287,984,278 - 287,984,278 Forward Contracts and Others 7,108,898 160,502,415 167,611,313 (1) Includes trades with B3 S.A. Notional Stock Exchange (1) Over the Counter 2020 2019 Total Total Swap 82,122,957 196,629,429 278,752,387 282,164,189 Options 1,940,172,322 103,113,762 2,043,286,084 1,446,522,962 Futures Contracts 270,258,566 - 270,258,566 433,873,181 Forward Contracts and Others 25,182,494 137,858,206 163,040,700 169,401,317 (1) Includes trades with B3 S.A. a.5) Information on Credit Derivatives Banco Santander uses credit derivatives with the objectives of performing counterparty risk management and meeting its customers' demands, performing protection purchase and sale transactions through credit default swaps and total return swaps, primarily related to Brazilian sovereign risk securities. Total Return Swaps Credit derivatives are where the exchange of the return of the reference obligation occurs through a cash flow and where, in the event of a credit event, the protection buyer is usually entitled to receive from the protection seller the equivalent of the difference between the and the fair value (market value) of the reference obligation on the settlement date of the contract. Credit Default Swaps They are credit derivatives where, in the event of a credit event, the protection buyer is entitled to receive from the protection seller the equivalent to the difference between the face value of the CDS contract and the fair value (market value) of the reference obligation on the settlement date of the contract. In return, the seller receives a fee for the sale of the protection. Below, the composition of the Credit Derivatives portfolio shown by its reference value and effect on the calculation of Required Shareholders' Equity (PLE). Composition of the Credit Derivatives portfolio shown by its reference value and effect in the calculation of Required Stockholders' Equity 2021 2020 2019 Nominal Value Nominal Value Nominal Value Nominal Value Nominal Value Nominal Value Retained Risk Transferred Risk - Retained Risk Transferred Risk - Retained Risk Transferred Risk - Total Rate of Return Swap Credit Swap Total Rate of Return Swap Credit Swap Total Rate of Return Swap Credit Swap Credit swaps 3,984,392 - 3,483,628 519,670 2,435,880 - Total 3,984,392 - 3,483,628 519,670 2,435,880 - During the period, there was no occurrence of credit event related to triggering events provided for in the contracts. 2021 2020 2019 Over Over Over Maximum Potential for Future Payments - Gross 12 Months Total 12 Months Total 12 Months Total Per Instrument CDS 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Per Risk Classification Below Investment Grade 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Per Reference Entity Brazilian Government 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 a.6) Hedge Accounting There are three types of hedge accounting: Fair Value Hedge, Cash Flow Hedge and Foreing Currency Investments Hedge. The derivatives used as hedging instruments are represented as follows: a.6.I ) Fair Value Hedge Banco Santander’s fair value hedging strategy consists of hedging the exposure to changes in fair value related to recognized assets and liabilities. The fair value strategy adopted by management segregates transactions by risk factor (e.g. Real/Dollar foreign exchange risk, fixed Reais interest rate risk, Dollar foreign exchange coupon risk, inflation risk, interest rate risk, etc.). The transactions generate exposures that are consolidated by risk factor and compared with internal pre-established limits. In order to hedge the changes of fair value in receivables and interest payments, Santander uses interest rate Swap contracts related to pre-fixed (pre-define interest rate at inception) assets and liabilities. Banco Santander applies fair value hedge as follows: • Designates Foreign Currency + Coupon versus %CDI and Pre - Real Interest Rate or contracts dollar futures (DOL, DDI/DI) as derivatives instruments in Hedge Accounting structures, with foreign currency loan operations being the object of such transactions. • The Bank has a portfolio of credit assets denominated in US dollars at the fixed rate in the balance sheet of Santander EFC, whose operations are recorded in Euro. As a way of managing this mismatch, the Bank designates each Euro Floating Foreign Currency swap versus Fixed Dollar as the market risk hedge of the corresponding loan. • The Bank has a portfolio of assets indexed to the Euro and traded at offshore branches. In the transaction, the value of the asset in Euro will be converted to the Dollar by the rate of the exchange contract of the transaction. As from the conversion, the principal amount of the funding, already expressed in US dollars, will be adjusted by a floating or fixed rate. The assets will be covered with Swap Cross Currency in order to cross the risk in Euro for LIBOR + Coupon. • The Bank has a pre-fixed interest rate risk generated by government securities (NTN-F and LTN) in the Financial Assets portfolio measured through Other Comprehensive Income. To manage this mismatch, the entity contracts DI futures on the Stock Exchange and designates them as a derivative instrument in a hedge accounting framework. • The Bank has pre-fixed interest rate risk on its liabilities through issues of real estate credit bills (LCI). To manage this risk, the entity contracts DI futures on the Exchange and designates them as a hedging instrument in a hedge accounting structure. • The Bank has a risk to the IPCA index generated by the issuance of Guaranteed Real Estate Bills. To manage this risk, the Bank contracts IPCA futures (DAP) on the Exchange and designates them as a hedging instrument in a Hedge Accounting structure. • The Bank has a risk to the IPCA (Broad pricing to consumers index) generated by debentures in the portfolio of securities available for sale. To manage this mismatch, it contracts IPCA (DAP) futures on the Stock Exchange and designates them as a derivative instrument in a Hedge Accounting structure. In order to assess the effectiveness and measure the ineffectiveness of the strategies, the institution complies with international accounting standard IAS 39, which requires that the effectiveness test be performed at the beginning (prospective test) of the hedge structure and be repeated periodically (prospective and retrospective tests) in order to demonstrate that the hedge ratio remains effective. To assess the effectiveness and measure the ineffectiveness of the strategies, the Bank follows IAS 39, which requires that the effectiveness test be performed at the beginning (prospective test) of the hedge structure, and repeated periodically (prospective and retrospective test) to demonstrate that the hedge relationship remains effective. a) Prospective test: a.1) The initial prospective test (at inception): a.2) The prospective periodic test: b) Retrospective test: In fair value hedges, gains or losses, both on hedge instruments and on hedged items (attributable to the type of risk being protected) are recognized directly in the consolidated income statement. Attributable to the type of risk being hedged 2021 2020 2019 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Fair Value Hedge Brazilian Treasury Bonds (LTN, NTN-F) 3,756,394 - (2,183,841) - (2,853,807) - Bonds (LEA) - - - - (61,761) - Resolution 2770 - - - - (94) - Trade Finance Off 728 - (5,092) - (4,015) - Total 3,757,122 - (2,188,933) - (2,919,677) - Hedge Instruments 12/31/2021 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 84,767 (2,204) 82,563 84,937 3,175 88,112 Credit Operations Hedge 84,767 (2,204) 82,563 84,937 3,175 88,112 Future Contracts 41,437,967 (7,913) 41,430,054 46,351,128 (2,031,108) 44,320,021 Credit Operations Hedge 2,850,589 (14,439) 2,836,150 2,738,830 15,685 2,754,515 Hedge of Securities 38,587,378 6,527 38,593,904 43,612,299 (2,046,793) 41,565,506 12/31/2020 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Future Contracts 46,649,331 - 46,649,331 42,529,036 2,802,690 45,331,727 Hedge of Securities 46,649,331 - 46,649,331 42,529,036 2,802,690 45,331,727 12/31/2019 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 3,249,741 101,264 3,351,004 3,555,326 662,773 4,218,099 Credit Operations Hedge 1,118,210 28,993 1,147,202 1,423,809 63,231 1,487,040 Hedge of Securities 2,131,532 72,271 2,203,802 2,131,517 599,542 2,731,059 Future Contracts 789,631 - 789,631 45,427,125 3,000,490 48,427,614 Hedge of Securities 789,631 - 789,631 45,427,125 3,000,490 48,427,614 (*) The Bank has market risk hedge strategies, the objects of which are assets in its portfolio, which is why we demonstrate the passive edge of the respective instruments. For structures whose instruments are futures, we show the balance of the calculated daily adjustment, recorded in a clearing account. a.6.II) Cash Flow Hedge The Bank's cash flow hedge strategies consist of hedging exposure to changes in cash flows, interest payments and exchange rate exposure, which are attributable to changes in interest rates on recognized assets and liabilities and changes exchange rates for unrecognized assets and liabilities. The Bank applies the cash flow hedge as follows: • Enters into fixed-rate asset swaps and foreign currency liabilities and designates them as a hedging instrument in a Cash Flow Hedge structure, with the object of foreign currency loan operations negotiated with third parties through offshore agencies and securities Brazilian foreign debt held to maturity. • It contracts Dollar futures or DDI + DI futures (Synthetic Dollar Futures) and designates them as a protection instrument in a Cash Flow Hedge structure, having as object item the Bank's credit portfolio in Dollars and Promissory Notes in securities portfolio available for sale. • The Bank has a portfolio of assets indexed to the Euro and traded at Offshore agencies. In the transaction, the value of the asset in Euro will be converted to Dollar at the exchange contract rate for entering the transaction. As of the conversion, the principal amount of the transaction, already expressed in dollars, will be corrected by a floating or pre-fixed rate. The assets will be hedged with Swap Cross Currency, in order to transfer the risk in Euro to IBOR + Coupon. To assess the effectiveness and measure the ineffectiveness of these strategies, Banco Santander follows IAS 39, which indicates that the effectiveness test must be carried out in the design/start of the hedge structure (prospective test) and repeated periodically (prospective and retrospective test) for demonstrate that the expectation of the hedge relationship remains effective (between 80 and 125%). In this hedge strategy, the effectiveness tests (prospective/retrospective) are conducted by comparing two proxies, one for the hedged object and the other for the instrument. The hedge object proxy is a “conceptual” swap, where the passive “tip” simulates the part of the Stable Portion to be protected and the active pre-fixed “tip” is identical to the set of futures designated as a hedge, being consistent with market rates practiced on the day the hedge is designated. The hedge instrument proxy is a “conceptual” swap, where the active “tip” is made up of the number of futures contracts designated as hedging, and the passive pre-fixed “tip” is the rate negotiated in the acquisition of these contracts. The proxy is stable throughout the strategy since the contracts are maintained until maturity. Any ineffectiveness is recognized in the income statement in the line Gains (losses) on financial assets and liabilities (net). a) Prospective Test: a.1) Periodic Prospective Test: a.2) Initial Prospective Test: b) Retrospective test The Ineffective portion is measured using the prospective hedge test and if identified recognized in the income statement in the line Gains (losses) on financial assets and liabilities (net). Effectiveness should be between 80% and 125%. In cash flow hedges, the effective portion of the variation in the value of the hedge instrument is temporarily recognized in equity under the caption “Other comprehensive income - cash flow hedges” (Note 25) until the anticipated transactions occur, when this portion is recognized in the consolidated income statement, except if the anticipated transactions result in the recognition of non-financial assets or liabilities, this portion will be included in the cost of the financial asset or liability. The non-effective portion of the variation in the value of foreign exchange hedge derivatives is recognized directly in the consolidated income statement. And the ineffective portion of the gains and losses on cash flow hedge instruments in an operation abroad is recognized directly in “Gains (losses) on financial assets and liabilities (net)” in the consolidated statements of income. Hedge Structure - Cash Flow 2021 2020 2019 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Cash Flow Hedge Eurobonds - - 14,666 - (6,074) - Trade Finance Off (236,630) - 58,088 - 139,852 - Government Securities (LFT) (982,648) - 727,437 - 503,665 - Bank Deposit Certificate - CDB 402,779 - - - - - Total (816,500) - 800,190 - 637,443 - Hedge Instruments / Hedge Object 12/31/2021 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Future Contracts 110,932,644 (616,062) 110,316,582 128,673,067 (8,912,769) 119,760,298 Credit Operations Hedge (1) 28,542,862 (577,845) 27,965,018 28,659,545 1,508,397 30,167,942 Hedge of Securities 71,320,781 (26) 71,320,756 89,837,000 (10,543,430) 79,293,570 Funding Hedge 11,069,000 (38,191) 11,030,809 10,176,522 122,264 10,298,786 12/31/2020 Hedge Instruments Hedge Object Accounting Adjustment to Market Accounting Strategies Value - liability Market Value Value Value Swap Contracts 1,428,053 1,428,053 1,302,666 1,302,666 Hedge of Securities 1,428,053 1,428,053 1,302,666 1,302,666 Future Contracts 19,500,234 19,500,234 23,447,934 23,447,934 Credit Operations Hedge (1) 19,500,234 19,500,234 23,447,934 23,447,934 12/31/2019 Hedge Instruments Hedge Object Accounting Adjustment to Market Accounting Strategies Value - liability Market Value Value Value Swap Contracts 1,361,658 35,110 1,396,768 1,324,685 Credit Operations Hedge 435,872 (3,494) 432,378 399,831 Hedge of Securities 925,786 38,604 964,390 924,854 Future Contracts 54,460,972 - 54,460,972 7,726,566 Credit Operations Hedge (1) 50,975,253 - 50,975,253 4,506,878 Hedge of Securities 3,485,719 - 3,485,719 3,219,688 (*) The Bank has cash flow hedge strategies, the objects of which are assets in its portfolio, which is why we have shown the liability side of the respective instruments. For structures whose instruments are futures, we show the notional's balance, recorded in a clearing account. In Consolidated, the mark-to-market effect of swap and future asset contracts corresponds to a credit in the amount of R$ 193,793 11,169 569 a.6) Derivative Financial Instruments - Margins Pledged as Guarantee The margin given in guarantee for transactions traded at B3 S.A. with its own and third party derivative financial instruments is composed of federal public securities. Composed of government securities 2021 2020 2019 Financial Treasury Bills - LFT 31,305,549 4,363,666 5,342,992 National Treasury Bills - LTN 3,751,223 6,155,276 1,086,556 National Treasury Notes - NTN 7,725,538 2,814,274 660,918 Total 42,782,310 13,333,215 7,090,466 b) Short Positions As of December 31, 2021, the balance of short positions totaled R$ 12,780,599 45,807,946 23,835,653" id="sjs-B3">8. Derivative financial instruments and short positions The main risk factors associated to derivatives contracted are related to exchange rates, interest rates and stocks. To manage these and other market risk factors the Bank uses practices which include the measurement and follow up of the limit´s usage previously defined on internal committees, as well as the daily follow up of the portfolios values in risk, sensitivities and changes in the interest rate and exchange exposure, liquidity gaps, among other practices which allow the control and follow up on the main risk metrics that can affect the Bank´s position in the several markets which it acts. Based on this management model the Bank has accomplished its goal, using operations with derivatives, in optimize the relation risk/benefits even in situation with great volatility. The derivatives fair value is determined through quotation of market prices. The swaps contracts fair value is determined using discounted cash flow modeling techniques, reflecting suitable risk factors. The fair value of NDF and Future contracts are also determined based on the quotation of market prices for derivatives traded in specific chamber (i.e. stock Exchange for example) or using the same methodology applied for swap contracts. The fair value of options derivatives (call and put) is determined based on the mathematical models, such as Black & Scholes, using yield rates, implied volatilities and the fair value of the corresponding asset. The current market prices are used to price the volatilities. For the derivatives which do not have prices directly disclosed by specific chamber, their fair values are obtained through pricing models which use market information, based on disclosed prices of more liquid assets. Interest rate curves and market volatilities are extracted from these prices to be used as first input in these models. a) Trading and hedging derivatives a.1) Derivatives recorded in the balance sheet and compensation accounts Portfolio summary of trading derivative and used as hedge 2021 2020 2020 2020 2019 2019 2019 As Previously Reported Adjustment As Revised As Previously Reported Adjustment As Revised Assets Swap Differentials Receivable 7,641,355 14,729,642 - 14,729,642 14,634,863 - 14,634,863 Option Premiums to Exercise 1,385,889 4,974,618 - 4,974,618 1,065,753 - 1,065,753 Forward Contracts and Others 12,112,679 9,166,360 (2,623,106) 6,543,254 4,745,118 (1,624,834) 3,120,284 Total 21,139,923 28,870,620 (2,623,106) 26,247,514 20,445,734 (1,624,834) 18,820,900 Liabilities Swap Differentials Payable 8,538,705 18,327,611 - 18,327,611 16,458,397 - 16,458,397 Option Premiums Launched 2,256,244 4,926,994 - 4,926,994 1,699,729 - 1,699,729 Forward Contracts and Others 13,824,032 8,725,333 (2,623,106) 6,102,227 4,271,851 (1,624,834) 2,647,017 Total 24,618,981 31,979,938 (2,623,106) 29,356,832 22,429,977 (1,624,834) 20,805,143 In 2021, the Company revisited the accounting treatment in relation to the electric energy commercialization contracts, which no longer include the amount of the "principal" and, therefore, only the adjustments to fair value and interest determined in these operations are recorded in equity accounts. For better comparability purposes, the amounts of “principal” of energy trading operations recorded in equity accounts, on December 31, 2020 and 2019, were reduced from the headings of “Derivatives => Forward and Other Contracts” in the amounts of BRL 2,623,106 1,624,834 Summary by Category Summary by Category Trading 2021 2020 2019 Notional (1) Curve Value Fair Value Notional (1) Curve Value Fair Value Notional (1) Fair Value Swap 837,762,019 (1,804,744) (897,350) 398,925,842 (3,076,947) (3,597,969) 561,967,799 (1,823,534) Assets 418,137,448 13,162,674 7,641,355 278,752,387 6,249,519 14,729,642 282,164,189 147,010,930 CDI (Interbank Deposit Rates) 66,837,268 318,541 (778,177) 41,316,315 326,586 3,010,880 40,550,627 16,908,791 Fixed Interest Rate - Real 231,741,021 9,269,271 6,412,471 54,159,848 4,013,563 9,607,342 47,140,927 - Indexed to Price and Interest Rates 2,089,110 - (234,488) 5,124,411 - - 2,388,118 - Foreign Currency 91,837,446 799,550 2,003,728 178,076,136 959,322 1,039,529 192,084,517 130,102,139 Others 25,632,603 2,775,313 237,822 75,676 950,048 1,071,891 - - Liabilities 419,624,571 (14,967,418) (8,538,705) 120,173,455 (9,326,465) (18,327,611) 279,803,610 (148,834,464) CDI (Interbank Deposit Rates) 321,402,883 (4,171,481) (12,327,484) 33,239,801 (6,911,748) (13,693,733) 24,353,405 - Fixed Interest Rate - Real 48,874,762 (6,760,576) 2,467,425 45,088,689 (2,183,507) (2,772,479) 67,937,624 (24,079,732) Indexed to Price and Interest Rates 22,827,336 - (728,677) 33,026,692 - (450,958) 125,829,755 (123,445,067) Foreign Currency 887,129 (28,407) 2,287,852 6,636,885 (25) 153,695 60,394,529 - Others 25,632,461 (4,006,955) (237,822) 2,181,388 (231,186) (1,564,135) 1,288,297 (1,309,665) Options 1,130,172,099 (595,345) (885,703) 2,043,286,085 (282,110) 47,624 1,446,536,133 (1,222,465) Purchased Position 564,829,758 1,240,879 1,385,889 1,006,266,897 1,869,806 4,974,618 678,089,904 381,706 Call Option - US Dollar 9,898,179 271,464 382,237 1,188,387 47,898 39,202 171,871 (281) Put Option - US Dollar 4,094,316 140,280 187,123 1,948,673 79,019 109,075 1,456,975 4,355 Call Option - Other 31,248,540 459,995 510,976 134,761,947 558,794 1,093,583 98,154,363 818,664 Interbank Market 28,499,055 444,446 495,214 101,421,659 557,167 556,039 98,154,363 819,262 Others (2) 2,749,485 15,549 15,763 33,340,288 1,627 537,544 - (598) Put Option - Other 519,588,723 369,140 305,553 868,367,889 1,184,095 3,732,758 578,306,695 (441,032) Interbank Market 519,588,723 369,140 305,553 864,852,555 1,183,630 3,729,297 578,306,695 (440,959) Others (2) - - - 3,515,334 464 3,461 - (73) Sold Position 565,342,341 (1,836,224) (2,256,244) 1,037,019,188 (2,151,915) (4,926,994) 768,446,229 (1,604,171) Call Option - US Dollar 4,111,016 (170,553) (152,348) 1,537,670 (70,201) 699,243 254,945 (1,472) Put Option - US Dollar 4,017,161 (348,715) (287,825) 2,315,919 (137,061) (192,335) 263,994 (2,842) Call Option - Other 33,383,234 (719,460) (872,335) 130,919,394 (588,023) (453,919) 174,166,802 (440,731) Interbank Market 31,730,928 (713,773) (858,586) 120,156,285 (566,813) (464,405) 174,166,802 (440,959) Others (2) 1,652,305 (5,687) (13,749) 10,763,109 (21,210) 10,486 228 Put Option - Other 523,830,930 (597,497) (943,736) 902,246,206 (1,356,630) (4,979,984) 593,760,488 (1,159,126) Interbank Market 523,830,930 (597,497) (943,736) 869,328,317 (1,350,314) (4,597,427) 593,760,488 (1,159,038) Others (2) - - - 32,917,888 (6,316) (382,557) (88) Futures Contracts 287,984,278 - - 270,258,566 - - 433,873,180 - Purchased Position 148,237,279 - - 110,275,866 - - 72,912,029 - Exchange Coupon (DDI) 85,931,389 - - 12,438,695 - - 7,394,951 - Interest Rates (DI1 and DIA) 28,491,764 - - 97,837,171 - - 55,430,519 - Foreign Currency 33,797,350 - - - - - 9,978,419 - Indexes (3) 16,776 - - - - - - - Others - - - - - - 108,140 - Sold Position 139,746,999 - - 159,982,699 - - 360,961,151 - Exchange Coupon (DDI) 60,606,204 - - 73,114,014 - - 146,032,485 - Interest Rates (DI1 and DIA) 53,267,620 - - 67,958,767 - - 196,170,105 - Foreign Currency 25,678,296 - - 18,653,658 - - 17,305,604 - Indexes (3) 194,879 - - 256,261 - - 290,254 - Treasury Bonds/Notes - - - - - - 1,162,703 - Forward Contracts and Others 167,611,313 2,836,843 (1,711,352) 165,663,806 2,693,759 441,028 169,401,317 483,267 Purchased Commitment 93,097,212 5,345,415 12,112,679 96,309,648 1,370,654 6,543,254 79,970,842 3,120,284 Currencies 83,752,185 2,738,485 8,501,934 87,254,202 1,370,654 5,026,566 78,344,925 2,794,330 Others 9,345,027 2,606,930 3,610,745 9,055,447 - 1,516,688 1,625,917 325,954 Sold Commitment 74,514,101 (2,508,572) (13,824,032) 69,354,158 1,323,105 (6,102,227) 89,430,475 (2,647,017) Currencies 71,611,500 (1,141,826) (11,932,009) 64,986,757 1,323,328 (4,846,929) 87,801,864 (2,275,227) Others 2,902,602 (1,366,746) (1,892,023) 4,367,401 (223) (1,255,298) 1,628,611 (371,790) (1) Nominal value of updated contracts. (2) Includes options of index, mainly being options involving US treasury, shares and stock indexes. (3) Includes Bovespa and S&P index. a.2) Derivatives Financial Instruments by Counterparty Notional 2021 Related Financial Customers Parties Institutions (1) Total Swap 152,650,125 233,667,783 31,819,540 418,137,448 Options 1,127,446,708 1,641,361 1,084,030 1,130,172,099 Futures Contracts 287,984,278 - - 287,984,278 Forward Contracts and Others 70,457,399 96,857,222 296,692 167,611,313 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. Notional 2020 2019 Related Financial Customers Parties Institutions (1) Total Total Swap 40,241,232 97,784,443 140,726,712 278,752,387 282,164,189 Options 23,788,051 922,740 2,018,575,293 2,043,286,085 1,446,522,955 Futures Contracts 3,198,239 - 267,060,326 270,258,566 433,873,182 Forward Contracts and Others 67,837,797 49,447,532 45,755,371 163,040,700 169,401,317 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. a.3) Derivatives Financial Instruments by Maturity Notional 2021 Up to From 3 to Over 3 Months 12 Months 12 Months Total Swap 30,501,795 99,817,727 287,817,926 418,137,448 Options 749,406,698 128,500,299 252,265,102 1,130,172,099 Futures Contracts 167,320,563 45,239,639 75,424,076 287,984,278 Forward Contracts and Others 72,761,669 67,060,436 27,789,208 167,611,313 Notional 2020 2019 Up to From 3 to Over 3 Months 12 Months 12 Months Total Total Swap 58,388,872 98,073,784 122,289,731 278,752,387 282,164,189 Options 931,156,902 572,661,800 539,467,382 2,043,286,084 1,446,522,962 Futures Contracts 181,521,486 36,328,390 52,408,689 270,258,566 433,873,181 Forward Contracts and Others 104,098,351 33,788,798 25,153,551 163,040,700 169,401,317 a.4) Derivatives by Market Trading Notional Stock Exchange (1) Over the Counter 2021 Total Swap 111,418,682 306,718,767 418,137,448 Options 1,094,484,434 35,687,665 1,130,172,099 Futures Contracts 287,984,278 - 287,984,278 Forward Contracts and Others 7,108,898 160,502,415 167,611,313 (1) Includes trades with B3 S.A. Notional Stock Exchange (1) Over the Counter 2020 2019 Total Total Swap 82,122,957 196,629,429 278,752,387 282,164,189 Options 1,940,172,322 103,113,762 2,043,286,084 1,446,522,962 Futures Contracts 270,258,566 - 270,258,566 433,873,181 Forward Contracts and Others 25,182,494 137,858,206 163,040,700 169,401,317 (1) Includes trades with B3 S.A. a.5) Information on Credit Derivatives Banco Santander uses credit derivatives with the objectives of performing counterparty risk management and meeting its customers' demands, performing protection purchase and sale transactions through credit default swaps and total return swaps, primarily related to Brazilian sovereign risk securities. Total Return Swaps Credit derivatives are where the exchange of the return of the reference obligation occurs through a cash flow and where, in the event of a credit event, the protection buyer is usually entitled to receive from the protection seller the equivalent of the difference between the and the fair value (market value) of the reference obligation on the settlement date of the contract. Credit Default Swaps They are credit derivatives where, in the event of a credit event, the protection buyer is entitled to receive from the protection seller the equivalent to the difference between the face value of the CDS contract and the fair value (market value) of the reference obligation on the settlement date of the contract. In return, the seller receives a fee for the sale of the protection. Below, the composition of the Credit Derivatives portfolio shown by its reference value and effect on the calculation of Required Shareholders' Equity (PLE). Composition of the Credit Derivatives portfolio shown by its reference value and effect in the calculation of Required Stockholders' Equity 2021 2020 2019 Nominal Value Nominal Value Nominal Value Nominal Value Nominal Value Nominal Value Retained Risk Transferred Risk - Retained Risk Transferred Risk - Retained Risk Transferred Risk - Total Rate of Return Swap Credit Swap Total Rate of Return Swap Credit Swap Total Rate of Return Swap Credit Swap Credit swaps 3,984,392 - 3,483,628 519,670 2,435,880 - Total 3,984,392 - 3,483,628 519,670 2,435,880 - During the period, there was no occurrence of credit event related to triggering events provided for in the contracts. 2021 2020 2019 Over Over Over Maximum Potential for Future Payments - Gross 12 Months Total 12 Months Total 12 Months Total Per Instrument CDS 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Per Risk Classification Below Investment Grade 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Per Reference Entity Brazilian Government 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 a.6) Hedge Accounting There are three types of hedge accounting: Fair Value Hedge, Cash Flow Hedge and Foreing Currency Investments Hedge. The derivatives used as hedging instruments are represented as follows: a.6.I ) Fair Value Hedge Banco Santander’s fair value hedging strategy consists of hedging the exposure to changes in fair value related to recognized assets and liabilities. The fair value strategy adopted by management segregates transactions by risk factor (e.g. Real/Dollar foreign exchange risk, fixed Reais interest rate risk, Dollar foreign exchange coupon risk, inflation risk, interest rate risk, etc.). The transactions generate exposures that are consolidated by risk factor and compared with internal pre-established limits. In order to hedge the changes of fair value in receivables and interest payments, Santander uses interest rate Swap contracts related to pre-fixed (pre-define interest rate at inception) assets and liabilities. Banco Santander applies fair value hedge as follows: • Designates Foreign Currency + Coupon versus %CDI and Pre - Real Interest Rate or contracts dollar futures (DOL, DDI/DI) as derivatives instruments in Hedge Accounting structures, with foreign currency loan operations being the object of such transactions. • The Bank has a portfolio of credit assets denominated in US dollars at the fixed rate in the balance sheet of Santander EFC, whose operations are recorded in Euro. As a way of managing this mismatch, the Bank designates each Euro Floating Foreign Currency swap versus Fixed Dollar as the market risk hedge of the corresponding loan. • The Bank has a portfolio of assets indexed to the Euro and traded at offshore branches. In the transaction, the value of the asset in Euro will be converted to the Dollar by the rate of the exchange contract of the transaction. As from the conversion, the principal amount of the funding, already expressed in US dollars, will be adjusted by a floating or fixed rate. The assets will be covered with Swap Cross Currency in order to cross the risk in Euro for LIBOR + Coupon. • The Bank has a pre-fixed interest rate risk generated by government securities (NTN-F and LTN) in the Financial Assets portfolio measured through Other Comprehensive Income. To manage this mismatch, the entity contracts DI futures on the Stock Exchange and designates them as a derivative instrument in a hedge accounting framework. • The Bank has pre-fixed interest rate risk on its liabilities through issues of real estate credit bills (LCI). To manage this risk, the entity contracts DI futures on the Exchange and designates them as a hedging instrument in a hedge accounting structure. • The Bank has a risk to the IPCA index generated by the issuance of Guaranteed Real Estate Bills. To manage this risk, the Bank contracts IPCA futures (DAP) on the Exchange and designates them as a hedging instrument in a Hedge Accounting structure. • The Bank has a risk to the IPCA (Broad pricing to consumers index) generated by debentures in the portfolio of securities available for sale. To manage this mismatch, it contracts IPCA (DAP) futures on the Stock Exchange and designates them as a derivative instrument in a Hedge Accounting structure. In order to assess the effectiveness and measure the ineffectiveness of the strategies, the institution complies with international accounting standard IAS 39, which requires that the effectiveness test be performed at the beginning (prospective test) of the hedge structure and be repeated periodically (prospective and retrospective tests) in order to demonstrate that the hedge ratio remains effective. To assess the effectiveness and measure the ineffectiveness of the strategies, the Bank follows IAS 39, which requires that the effectiveness test be performed at the beginning (prospective test) of the hedge structure, and repeated periodically (prospective and retrospective test) to demonstrate that the hedge relationship remains effective. a) Prospective test: a.1) The initial prospective test (at inception): a.2) The prospective periodic test: b) Retrospective test: In fair value hedges, gains or losses, both on hedge instruments and on hedged items (attributable to the type of risk being protected) are recognized directly in the consolidated income statement. Attributable to the type of risk being hedged 2021 2020 2019 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Fair Value Hedge Brazilian Treasury Bonds (LTN, NTN-F) 3,756,394 - (2,183,841) - (2,853,807) - Bonds (LEA) - - - - (61,761) - Resolution 2770 - - - - (94) - Trade Finance Off 728 - (5,092) - (4,015) - Total 3,757,122 - (2,188,933) - (2,919,677) - Hedge Instruments 12/31/2021 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 84,767 (2,204) 82,563 84,937 3,175 88,112 Credit Operations Hedge 84,767 (2,204) 82,563 84,937 3,175 88,112 Future Contracts 41,437,967 (7,913) 41,430,054 46,351,128 (2,031,108) 44,320,021 Credit Operations Hedge 2,850,589 (14,439) 2,836,150 2,738,830 15,685 2,754,515 Hedge of Securities 38,587,378 6,527 38,593,904 43,612,299 (2,046,793) 41,565,506 12/31/2020 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Future Contracts 46,649,331 - 46,649,331 42,529,036 2,802,690 45,331,727 Hedge of Securities 46,649,331 - 46,649,331 42,529,036 2,802,690 45,331,727 12/31/2019 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 3,249,741 101,264 3,351,004 3,555,326 662,773 4,218,099 Credit Operations Hedge 1,118,210 28,993 1,147,202 1,423,809 63,231 1,487,040 Hedge of Securities 2,131,532 72,271 2,203,802 2,131,517 599,542 2,731,059 Future Contracts 789,631 - 789,631 45,427,125 3,000,490 48,427,614 Hedge of Securities 789,631 - 789,631 45,427,125 3,000,490 48,427,614 (*) The Bank has market risk hedge strategies, the objects of which are assets in its portfolio, which is why we demonstrate the passive edge of the respective instruments. For structures whose instruments are futures, we show the balance of the calculated daily adjustment, recorded in a clearing account. a.6.II) Cash Flow Hedge The Bank's cash flow hedge strategies consist of hedging exposure to changes in cash flows, interest payments and exchange rate exposure, which are attributable to changes in interest rates on recognized assets and liabilities and changes exchange rates for unrecognized assets and liabilities. The Bank applies the cash flow hedge as follows: • Enters into fixed-rate asset swaps and foreign currency liabilities and designates them as a hedging instrument in a Cash Flow Hedge structure, with the object of foreign currency loan operations negotiated with third parties through offshore agencies and securities Brazilian foreign debt held to maturity. • It contracts Dollar futures or DDI + DI futures (Synthetic Dollar Futures) and designates them as a protection instrument in a Cash Flow Hedge structure, having as object item the Bank's credit portfolio in Dollars and Promissory Notes in securities portfolio available for sale. • The Bank has a portfolio of assets indexed to the Euro and traded at Offshore agencies. In the transaction, the value of the asset in Euro will be converted to Dollar at the exchange contract rate for entering the transaction. As of the conversion, the principal amount of the transaction, already expressed in dollars, will be corrected by a floating or pre-fixed rate. The assets will be hedged with Swap Cross Currency, in order to transfer the risk in Euro to IBOR + Coupon. To assess the effectiveness and measure the ineffectiveness of these strategies, Banco Santander follows IAS 39, which indicates that the effectiveness test must be carried out in the design/start of the hedge structure (prospective test) and repeated periodically (prospective and retrospective test) for demonstrate that the expectation of the hedge relationship remains effective (between 80 and 125%). In this hedge strategy, the effectiveness tests (prospective/retrospective) are conducted by comparing two proxies, one for the hedged object and the other for the instrument. The hedge object proxy is a “conceptual” swap, where the passive “tip” simulates the part of the Stable Portion to be protected and the active pre-fixed “tip” is identical to the set of futures designated as a hedge, being consistent with market rates practiced on the day the hedge is designated. The hedge instrument proxy is a “conceptual” swap, where the active “tip” is made up of the number of futures contracts designated as hedging, and the passive pre-fixed “tip” is the rate negotiated in the acquisition of these contracts. The proxy is stable throughout the strategy since the contracts are maintained until maturity. Any ineffectiveness is recognized in the income statement in the line Gains (losses) on financial assets and liabilities (net). a) Prospective Test: a.1) Periodic Prospective Test: a.2) Initial Prospective Test: b) Retrospective test The Ineffective portion is measured using the prospective hedge test and if identified recognized in the income statement in the line Gains (losses) on financial assets and liabilities (net). Effectiveness should be between 80% and 125%. In cash flow hedges, the effective portion of the variation in the value of the hedge instrument is temporarily recognized in equity under the caption “Other comprehensive income - cash flow hedges” (Note 25) until the anticipated transactions occur, when this portion is recognized in the consolidated income statement, except if the anticipated transactions result in the recognition of non-financial assets or liabilities, this portion will be included in the cost of the financial asset or liability. The non-effective portion of the variation in the value of foreign exchange hedge derivatives is recognized directly in the consolidated income statement. And the ineffective portion of the gains and losses on cash flow hedge instruments in an operation abroad is recognized directly in “Gains (losses) on financial assets and liabilities (net)” in the consolidated statements of income. Hedge Structure - Cash Flow 2021 2020 2019 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Cash Flow Hedge Eurobonds - - 14,666 - (6,074) - Trade Finance Off (236,630) - 58,088 - 139,852 - Government Securities (LFT) (982,648) - 727,437 - 503,665 - Bank Deposit Certificate - CDB 402,779 - - - - - Total (816,500) - 800,190 - 637,443 - Hedge Instruments / Hedge Object 12/31/2021 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Future Contracts 110,932,644 (616,062) 110,316,582 128,673,067 (8,912,769) 119,760,298 Credit Operations Hedge (1) 28,542,862 (577,845) 27,965,018 28,659,545 1,508,397 30,167,942 Hedge of Securities 71,320,781 (26) 71,320,756 89,837,000 (10,543,430) 79,293,570 Funding Hedge 11,069,000 (38,191) 11,030,809 10,176,522 122,264 10,298,786 12/31/2020 Hedge Instruments Hedge Object Accounting Adjustment to Market Accounting Strategies Value - liability Market Value Value Value Swap Contracts 1,428,053 1,428,053 1,302,666 1,302,666 Hedge of Securities 1,428,053 1,428,053 1,302,666 1,302,666 Future Contracts 19,500,234 19,500,234 23,447,934 23,447,934 Credit Operations Hedge (1) 19,500,234 19,500,234 23,447,934 23,447,934 12/31/2019 Hedge Instruments Hedge Object Accounting Adjustment to Market Accounting Strategies Value - liability Market Value Value Value Swap Contracts 1,361,658 35,110 1,396,768 1,324,685 Credit Operations Hedge 435,872 (3,494) 432,378 399,831 Hedge of Securities 925,786 38,604 964,390 924,854 Future Contracts 54,460,972 - 54,460,972 7,726,566 Credit Operations Hedge (1) 50,975,253 - 50,975,253 4,506,878 Hedge of Securities 3,485,719 - 3,485,719 3,219,688 (*) The Bank has cash flow hedge strategies, the objects of which are assets in its portfolio, which is why we have shown the liability side of the respective instruments. For structures whose instruments are futures, we show the notional's balance, recorded in a clearing account. In Consolidated, the mark-to-market effect of swap and future asset contracts corresponds to a credit in the amount of R$ 193,793 11,169 569 a.6) Derivative Financial Instruments - Margins Pledged as Guarantee The margin given in guarantee for transactions traded at B3 S.A. with its own and third party derivative financial instruments is composed of federal public securities. Composed of government securities 2021 2020 2019 Financial Treasury Bills - LFT 31,305,549 4,363,666 5,342,992 National Treasury Bills - LTN 3,751,223 6,155,276 1,086,556 National Treasury Notes - NTN 7,725,538 2,814,274 660,918 Total 42,782,310 13,333,215 7,090,466 b) Short Positions As of December 31, 2021, the balance of short positions totaled R$ 12,780,599 45,807,946 23,835,653

Loans and advances to clients

Loans and advances to clients	12 Months Ended
	Dec. 31, 2021
Loans and advances to clients	9. Loans and advances to clients a) Breakdown The breakdown, by classification, of the balances of “Loans and advances to clients” in the consolidated financial statements is as follows: Thousand of reais 2021 2020 2019 Classification: Non-trading financial assets mandatorily measured at fair value through profit or loss 392,455 60,808 - Loans and receivables - - - Financial assets measured at amortized cost 464,451,587 393,707,229 326,699,480 Of which: Loans and receivables at amortized cost 492,962,247 417,761,218 347,256,660 Impairment losses (28,510,660) (24,053,989) (20,557,180) Loans and advances to customers, net 464,844,042 393,768,037 326,699,480 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660 Thousand of reais 2021 2020 2019 Type: Loans operations (1) 457,384,432 390,941,415 329,910,319 Lease Portfolio 2,532,048 2,096,240 2,111,842 Repurchase agreements 6,044,808 4,530,041 10,500 Other receivables (2) 27,393,414 20,254,330 15,223,999 Total 493,354,702 417,822,026 347,256,660 (1) Includes loans and other loans with credit characteristics. (2) Refers substantially to Foreign Exchange Transactions and Other Receivables with credit granting characteristics. Note 43-d contains details of the residual maturity periods of financial assets measured at the corresponding amortized cost. There are no loans and advances to customers in significant amounts without fixed maturity dates. b) Detail Below, the details, by condition and type of credit, debtor sector and interest rate formula, of loans and advances to customers, which reflect the Bank's exposure to credit risk in its main activity, gross of reduction losses to recoverable value Thousand of reais 2021 2020 2019 Loan borrower sector: Commercial, and industrial 215,967,128 191,281,653 145,387,439 Real estate-construction 54,738,606 45,791,869 39,720,713 Installment loans to individuals 220,115,963 178,652,145 160,036,668 Lease financing 2,533,004 2,096,359 2,111,840 Total 493,354,702 417,822,026 347,256,660 Interest rate formula Thousand of reais 2021 2020 2019 Interest rate formula: Fixed interest rate 337,583,246 292,884,352 258,760,620 Floating rate 155,771,456 124,937,674 88,496,040 Total 493,354,702 417,822,026 347,256,660 Debt sector by maturity 2021 Debt Sector by Maturity Less than 1 year % of total Between 1 and 5 years % of total More than 5 years % of total Total % of total Commercial and industrial 165,729,422 61.37% 73,723,212 45.81% 8,221,617 13.18% 247,674,251 50.20% Real estate 3,985,684 1.48% 10,137,988 6.30% 40,614,935 65.12% 54,738,607 11.10% Installment loans to individuals 99,050,959 36.68% 75,832,619 47.12% 13,525,262 21.69% 188,408,840 38.19% Lease financing 1,284,868 0.48% 1,238,498 0.77% 9,638 0.02% 2,533,004 0.51% Loans and advances to customers, gross 270,050,934 100.00% 160,932,317 100.00% 62,371,452 100.00% 493,354,702 100.00% 2020 Debt Sector by Maturity Less than 1 year % of total Between 1 and 5 years % of total More than 5 years % of total Total % of total Commercial and industrial 127,569,542 58.23% 60,190,422 40.94% 3,521,688 6.81% 191,281,652 45.78% Real estate 3,419,553 1.56% 8,973,495 6.10% 33,398,822 64.54% 45,791,870 10.96% Installment loans to individuals 87,174,594 39.79% 76,667,187 52.15% 14,810,364 28.62% 178,652,145 42.76% Lease financing 899,055 0.41% 1,182,713 0.80% 14,591 0.03% 2,096,359 0.50% Loans and advances to customers, gross 219,062,744 100.00% 147,013,817 100.00% 51,745,465 100.00% 417,822,026 100.00% 2019 Debt Sector by Maturity Less than 1 year % of total Between 1 and 5 years % of total More than 5 years % of total Total % of total Commercial and industrial 102,083,249 54.83% 39,408,727 33.44% 3,895,463 9.01% 145,387,439 41.87% Real estate 3,633,231 1.95% 8,145,568 6.91% 27,941,913 64.65% 39,720,713 11.44% Installment loans to individuals 79,624,744 42.76% 69,034,596 58.58% 11,377,328 26.33% 160,036,668 46.09% Lease financing 855,624 0.46% 1,252,673 1.06% 3,543 0.01% 2,111,840 0.61% Loans and advances to customers, gross 186,196,848 100.00% 117,841,564 100.00% 43,218,247 100.00% 347,256,660 100.00% Maturity Thousand of reais 2021 2020 2019 Maturity Less than 1 year 270,050,934 219,062,744 186,196,849 Between 1 and 5 years 160,932,317 147,013,817 117,841,564 More than 5 years 62,371,451 51,745,465 43,218,247 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660 Internal risk classification Low 374,505,212 347,315,357 257,133,115 Medium-low 79,216,725 24,277,404 56,549,196 Medium 14,589,977 26,231,871 11,754,806 Medium - high 9,413,110 3,896,457 8,512,386 High 15,629,678 16,100,937 13,307,156 Loans and advances to Customers, gross 493,354,702 417,822,026 347,256,660 c) Impairment losses The tables below show the reconciliations of the beginning and ending balances of the allowance for losses by category of financial instrument. The terms expected credit losses over 12 months, expected credit losses over their useful life and impairment losses are explained in the accounting practices note. The changes in provisions for impairment losses in the balances of the item "Financial assets measured at amortized cost" are as follows: Considering the amounts recognized in "Loss due to impairment of the amount of the recoverable value against the result" and the "Recoveries of loans written off as loss", and "PDD of Avals", the "Loss with financial assets - Financial assets measured at amortized cost" totaled in December 31, 2021, R$17,112,734 (2020 - R$17,450,188 and 2019 - R$13,369,905). Changes in the allowances for the impairment losses on the balances of Loans and receivables Thousand of reais 2021 Stage 1 Stage 2 Stage 3 Credit losses expected in 12 months Expected credit losses over a useful life not subject to impairment Expected credit losses during the useful life subject to impairment Total Balance at beginning of year 5,837,199 4,928,606 14,874,684 25,640,489 Impairment losses charged to income for the year 3,200,608 4,883,553 8,902,534 16,986,695 Transfers between stages (553,054) 31,154 10,221,329 9,699,429 Movement of the period 3,753,662 4,852,399 (1,318,795) 7,287,266 Of which: Commercial and industrial 347,359 1,779,043 1,213,907 3,340,309 Real estate-construction 4,411 (50,798) 162,418 116,031 Installment loans to individuals 2,851,686 3,155,946 7,524,183 13,531,815 Lease financing (2,848) (638) 2,026 (1,460) Variation by Stage (2,060,142) (4,058,304) 6,118,446 - Write-off of impaired balances against recorded impairment allowance - - (12,903,807) (12,903,807) Of which: Commercial and industrial - - (5,153,345) (5,153,345) Real estate-construction - - (166,579) (166,579) Installment loans to individuals - - (7,575,967) (7,575,967) Lease financing - - (7,916) (7,916) Balance at end of year 6,977,664 5,753,855 16,991,855 29,723,376 Of which: Loans and advances to customers 6,861,404 5,703,285 15,945,970 28,510,659 Loans and amounts due from credit institutions (Note 5) 21,825 - - 21,825 Provision for Debt Instruments (Note 6) 94,435 50,570 1,045,887 1,190,892 Recoveries of loans previously charged off - - 1,536,336 1,536,336 Of which: Commercial and industrial - - 462,523 462,523 Real estate-construction - - 64,257 64,257 Installment loans to individuals - - 1,002,257 1,002,257 Lease financing - - 7,299 7,299 Discount granted - - (1,662,375) (1,662,375) Thousand of reais 2021 2020 2019 Balance at beginning of year 25,640,489 22,625,750 22,969,315 Impairment losses charged to income for the year 16,986,695 18,311,441 14,361,382 Of which: Commercial and industrial 3,340,309 6,918,671 2,376,910 Real estate-construction 116,031 81,415 94,957 Installment loans to individuals 13,531,815 11,308,689 11,866,475 Lease financing (1,460) 2,666 23,040 Write-off of impaired balances against recorded impairment allowance (12,903,808) (15,296,703) (14,704,948) Of which: Commercial and industrial (5,153,346) (4,616,722) (5,713,369) Real estate-construction (166,579) (232,262) (108,294) Installment loans to individuals (7,575,967) (10,433,131) (8,834,391) Lease financing (7,916) (14,588) (48,893) Balance at end of year 29,723,376 25,640,488 22,625,750 Of which: Loans and advances to customers 28,510,659 24,053,989 20,557,180 Loans and amounts due from credit institutions (Note 5) 21,825 9,065 13,543 Provision for Debt Instruments (Note 6) 1,190,892 1,577,435 2,055,027 Recoveries of loans previously charged off 1,536,336 861,253 991,476 Of which: Commercial and industrial 462,523 422,023 519,594 Real estate-construction 64,257 55,631 46,639 Installment loans to individuals 1,002,257 370,491 417,477 Lease financing 7,299 13,107 7,767 Considering the amounts recognized in “Loss due to impairment of income against income” and “Recoveries of loans written off as loss”, and “Available allowances” the “Losses on financial assets - Financial assets measured at amortized cost” totaled in December 31, 2021, 17,112,734 17,450,188 13,369,905 The balances of the provision for losses due to non-recovery by debtor sector Thousand of reais 2021 2020 2019 Commercial and industrial 8,324,614 9,757,193 7,455,243 Real estate - Construction 154,248 193,935 344,782 Installment loans to individuals 21,240,296 15,675,765 14,800,208 Lease financing 4,218 13,594 25,517 Total 29,723,376 25,640,488 22,625,750 d) Impaired assets The details of the changes in the balance of the financial assets classified as “Loans and receivables – loans and advances to clients” (as defined at Note 1.i) and considered to be impaired due to credit risk are as follows: Loans and receivables - loans and advances to customers Thousand of reais 2021 2020 2019 Balance at beginning of year 23,176,039 23,426,076 22,425,801 Net additions 18,428,727 14,757,908 16,000,733 Written-off assets (14,681,454) (15,007,946) (15,000,458) Balance at end of year 26,923,312 23,176,039 23,426,076 Following is a detail of the financial assets considered to be impaired classified by age of the oldest past-due amount: Thousand of reais 2021 2020 2019 With no Past-Due Balances or Less than 3 Months Past Due 12,885,506 12,966,813 11,729,920 With Balances Past Due by 3 to 6 Months 4,717,302 3,049,974 3,961,042 6 to 12 Months 6,866,628 4,798,859 5,721,762 12 to 18 Months 1,253,046 1,243,809 985,476 18 to 24 Months 659,702 607,527 523,441 More than 24 Months 541,129 509,056 504,435 Total 26,923,312 23,176,039 23,426,076 Thousand of reais 2021 2020 2019 Debt Sector Commercial and industrial 11,439,692 10,558,213 10,072,655 Real estate - Construction 470,115 456,130 826,863 Installment loans to individuals 14,996,152 12,144,238 12,497,179 Lease financing 17,353 17,458 29,379 Total 26,923,312 23,176,039 23,426,076 e) Loan past due for less than 90 days but not classified as impaired Thousand of reais 2021 % of total loans past due for less than 90 days 2020 % of total loans past due for less than 90 days 2019 % of total loans past due for less than 90 days Commercial and industrial 4,892,277 20.68% 5,131,885 25.80% 3,517,086 15.42% Real estate - Construction 3,605,641 15,24% 3,085,498 15.51% 5,781,977 25.35% Installment loans to individuals 15,150,254 64.04% 11,660,666 58.62% 13,489,513 59.13% Financial Leasing 10,961 0,05% 13,292 0.07% 24,325 0.11% Total (1) 23,659,133 100.00% 19,891,340 100.00% 22,812,900 100.00% (1) Refers exclusively to loans between 1 and 90 days. f) Lease at present value As at December 31, 2021, 2020 and 2019 Breakdown by maturity Gross investment in lease transactions Thousand of reais 2021 2020 2019 Overdue 3,531 2,740 3,233 Due to: Up to 1 year 1,067,567 952,172 978,748 From 1 to 5 years 1,642,506 1,394,525 1,442,244 Over 5 years 132,459 20,128 4,014 Total 2,846,063 2,369,565 2,428,239 g) Transfer of financial assets with retention of risks and benefits On December 31, 2021, the amount recorded on “Loans and advances to clients” related to loan portfolio assigned is R$ 40,790 55,284 76,028 40,511 55,105 75,500 The assignment operation was carried out with a co-obligation clause, with compulsory repurchase in the following situations: - defaulted contracts for a period of more than 90 consecutive days; - contracts subject to renegotiation; - contracts subject to portability, pursuant to Resolution 3,401 of the National Monetary Council (CMN); - contracts subject to intervention.

Non-current assets held for sal

Non-current assets held for sale	12 Months Ended
	Dec. 31, 2021
Non-current assets held for sale	10. Non-current assets held for sale At December 31, 2021, 2020 and 2019 The change in the "Assets held for sale" is as follows: Thousand of reais 2021 2020 2019 Balance at beginning of year 1,362,602 1,580,496 1,598,367 Loan repayments - repossession of assets 235,904 445,173 735,864 Capital Increase in Companies held for sale (1) 66,197 - 55,245 Sales (599,283) (663,067) (808,980) Final balance, gross 1,065,420 1,362,602 1,580,496 Impairment losses (2) (249,075) (269,693) (255,161) Impairment as a percentage of foreclosed assets 23.38% 19.79% 16.14% Balance at end of year 816,345 1,092,909 1,325,335 (1) On September 20, 2019, Santander Holding Imobiliária completed the acquisition of the company Summer Empreendimentos Ltda. (“Summer”), whose main asset is a branch located on Avenida Faria Lima in the city of São Paulo, for the amount of R$45,245. Upon completion of the transaction, a structured plan for the sale of this company to a third party in the short term was formalized. In December 2019, Santander Holding Imobiliária carried out a capital increase in Summer in the amount of R$10,000. (2) In 2021, includes the amount of R$182,448 (2020 – R$24,751 and 2019 – R$251,945) of reversal of provisions for devaluations on real estate and R$2,194 (2020 - R$122) of provisions for devaluations on vehicles , based on appraisal reports prepared by a specialized external consultancy, accounted for as a provision for impairment losses.

Investments in associates and j

Investments in associates and joint ventures	12 Months Ended
	Dec. 31, 2021
Investments in associates and joint ventures	11. Investments in associates and joint ventures Jointly controlled Banco Santander considers investments classified as jointly controlled when they possess a shareholders' agreement, which sets that the strategic, financial and operating decisions requires the unanimous consent of all investors. Significant Influence Associates are entities over which the Bank is in a position to exercise significant influence (significant influence is the power to participate in the financial and operating decisions of the investee) but it does not control or has joint control over the investee. a) Breakdown Jointly controlled and Significant Influence - Participation Participation % Jointly Controlled by Banco Santander Activity Country 2021 2020 2019 Banco RCI Brasil S.A. Bank Brazil 39.89 39.89 39.89 Norchem Participações e Consultoria S.A. Other Activities Brazil 0.00 0.00 50.00 Estruturadora Brasileira de Projetos S.A. - EBP Other Activities Brazil 11.11 11.11 11.11 Gestora de Inteligência de Crédito Credit Bureau Brazil 19.45 20.00 20.00 Campo Grande Empreendimentos Other Activities Brazil 25.32 25.32 25.32 Santander Auto S.A. Other Activities Brazil 50.00 50.00 50.00 Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) Webmotors S.A. Other Activities Brazil 70.00 70.00 70.00 Tecnologia Bancária S.A. - TECBAN Other Activities Brazil 18.98 18.98 18.98 Hyundai Corretora de Seguros Insurance Broker Brazil 50.00 50.00 50.00 PSA Corretora de Seguros e Serviços Ltda. Insurance Broker Brazil 50.00 50.00 50.00 Jointly Controlled by Aymoré CFI Solutions 4Fleet Other Activities Brazil 80.00 0.00 0.00 Significant Influence of Banco Santander Norchem Holding e Negócios S.A. Other Activities Brazil 0.00 0.00 21.75 (1) Companies with a one-month lag in the equity calculation. To account for the equity income, the position of 11/30/2021 was used on 12/31/2021. (2) Although the interest is less than 20%, the Bank exercises joint control in the entity with the other majority shareholders, through a shareholders' agreement in which no business decision can be taken by a single shareholder. (3) Although the interest exceeds 50%, in accordance with the shareholders' agreement, control is shared by Santander Corretora de Seguros and Carsales.com Investments PTY LTD. (Carsales). (4) In accordance with the shareholders' agreement, control is shared by Santander Corretora de Seguros and PSA Services LTD. (5) Interest arising from credit recovery of Banco Comercial e de Investimentos Sudameris S.A., merged in 2009 by Banco ABN AMRO Real S.A., which in the same year was merged into Banco Santander (Brasil) S.A., one of the Company's partners. The partners are conducting the procedures for the dissolution of the company, which depends on the sale of a property. Once sold, the company will be liquidated and each partner will receive their share of the equity. Jointly controlled and Significant Influence - Investments Investments 2021 2020 2019 Jointly Controlled by Banco Santander 628,040 590,219 595,230 Banco RCI Brasil S.A. 591,745 544,236 509,890 Norchem Participações e Consultoria S.A. - - 21,078 Estruturadora Brasileira de Projetos S.A. - EBP 1,257 1,273 3,889 Gestora de Inteligência de Crédito 13,522 28,680 47,744 Campo Grande Empreendimentos 255 255 255 Santander Auto S.A. 21,261 15,775 12,374 Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 593,002 504,766 454,280 Webmotors S.A. 359,092 316,597 296,216 Tecnologia Bancária S.A. - TECBAN 232,109 186,357 156,589 Hyundai Corretora de Seguros 1,260 1,044 934 PSA Corretora de Seguros e Serviços Ltda. 541 768 541 Jointly Controlled by Aymoré CFI 11,604 - - Solutions 4Fleet 11,604 - - Significant Influence of Banco Santander - - 21,252 Norchem Holding e Negócios S.A. - - 21,252 Total 1,232,646 1,094,985 1,070,762 Jointly controlled and Significant Influence - Results of Investments Results of Investments 2021 2020 2019 Jointly Controlled by Banco Santander 54,493 50,915 92,976 Banco RCI Brasil S.A. 62,813 72,057 105,250 Norchem Participações e Consultoria S.A. - 333 975 Cibrasec - Companhia Brasileira de Securitização - - 75 Estruturadora Brasileira de Projetos S.A. - EBP (16) 9 199 Gestora de Inteligência de Crédito (14,419) (19,064) (11,354) Santander Auto S.A. 6,115 (2,421) (2,169) Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 91,833 61,380 55,936 Webmotors S.A. 45,817 38,823 42,848 Tecnologia Bancária S.A. - TECBAN 45,752 22,219 12,498 Hyundai Corretora de Seguros 216 110 (66) PSA Corretora de Seguros e Serviços Ltda. 48 226 656 Jointly Controlled by Aymoré CFI (2,142) - - Solutions 4Fleet (2,142) - - Significant Influence of Banco Santander - (33) 576 Norchem Holding e Negócios S.A. - (33) 576 Total 144,184 112,261 149,488 Jointly controlled and Significant Influence - Total 2021 Total Assets Total Liabilities Total Income Jointly Controlled by Banco Santander 12,488,103 12,473,458 95,420 Banco RCI Brasil S.A. 11,147,493 11,080,238 157,462 Estruturadora Brasileira de Projetos S.A. - EBP 11,339 11,476 (136) Gestora de Inteligência de Crédito 1,173,234 1,237,937 (74,136) Santander Auto S.A. 156,037 143,807 12,230 Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 3,055,130 2,824,094 231,035 Webmotors S.A. 342,195 276,743 65,452 Tecnologia Bancária S.A. - TECBAN 2,707,571 2,542,515 165,056 Hyundai Corretora de Seguros Ltda. 3,353 2,921 431 PSA Corretora de Seguros e Serviços Ltda. 2,011 1,915 96 Controlled by Aymoré CFI 14,871 17,548 (2,677) Solutions 4Fleet. 14,871 17,548 (2,677) Total 15,558,104 15,315,100 323,778 2020 Total Assets Total Liabilities Total Income Jointly Controlled by Banco Santander 12,900,571 11,255,396 51,847 Banco RCI Brasil S.A. 11,620,304 10,255,995 99,951 Norchem Participações e Consultoria S.A. 70,475 27,781 534 Estruturadora Brasileira de Projetos S.A. - EBP 11,562 39 148 Gestora de Inteligência de Crédito 1,126,424 933,115 (45,410) Santander Auto S.A. 71,807 38,466 (3,376) Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações SA) 2,952,308 1,692,770 68,469 Webmotors S.A. 512,687 78,856 21,529 Tecnologia Bancária S.A. - TECBAN 2,435,377 1,612,822 46,735 Hyundai Corretora de Seguros Ltda. 2,076 251 (43) PSA Corretora de Seguros e Serviços Ltda. 2,168 841 247 Significant Influence of Banco Santander 126,877 29,391 (225) Norchem Holding e Negócios S.A. 126,877 29,391 (225) Total 15,979,756 12,977,558 120,091 2019 Total Assets Total Liabilities Total Income Jointly Controlled by Banco Santander 14,121,618 12,502,780 206,482 Banco RCI Brasil S.A. 13,452,716 12,174,504 263,851 Norchem Participações e Consultoria S.A. 69,865 27,709 1,949 Estruturadora Brasileira de Projetos S.A. - EBP 35,314 311 1,790 Gestora de Inteligência de Crédito 527,362 288,643 (56,769) Santander Auto S.A. 36,361 11,613 (4,339) Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 2,873,140 1,628,364 125,439 Webmotors S.A. 484,454 60,734 61,212 Tecnologia Bancária S.A. - TECBAN 2,382,907 1,564,801 63,046 Hyundai Corretora de Seguros Ltda. 1,909 41 (132) PSA Corretora de Seguros e Serviços Ltda. 3,870 2,788 1,313 Significant Influence of Banco Santander 126,937 29,226 2,650 Norchem Holding e Negócios S.A. 126,937 29,226 2,650 Total 17,121,695 14,160,370 334,571 The Bank has no guarantees granted to companies with joint control and significant influence. The Bank does not have contingent liabilities with significant possible risk of loss related to investments for companies with joint control and significant influence. b) Changes The changes in the balance of this item in the years ended December 31, 2021, 2020 and 2019 were: Jointly controlled and Significant Influence - Changes in the balance 2021 2020 2019 Jointly Controlled by Banco Santander Balance at beginning of year 1,094,985 1,049,510 1,032,382 Additions / disposals (net) due to change in the scope of consolidation (739) (41,851) (51,073) Additions /disposals 13,746 13,571 746 Share of results of entities accounted for using the equity method 144,184 112,293 148,912 Dividends proposed/received (66,878) (59,784) (69,904) Others 47,348 21,246 (11,553) Balance at end of year 1,232,646 1,094,985 1,049,510 Significant Influence of Banco Santander Balance at beginning of year - 21,252 20,933 Share of results of entities accounted for using the equity method - (33) 576 Dividends proposed/received - (239) (257) Alienation - (20,980) - Balance at end of year - - 21,252 c) Impairment losses No impairment losses were recognized on investments in associates and joint ventures in 2021, 2020 and 2019. d) Other information Details of the principal jointly controlled entities: Banco RCI Brasil S.A.: Webmotors S.A.: Principal jointly controlled entities 2021 2020 2019 Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Current assets 10,187,883 342,195 11,270,565 276,170 12,052,008 241,919 Current liabilities 8,754,744 71,742 9,825,654 220,707 10,781,921 61,290 Cash and cash equivalents 341,015 2,746 201,142 1,411 489,400 1,667 Depreciation and amortization (1,628) (19,152) (1,577) (14,949) (1,666) (9,234) Revenue 637,856 331,586 732,253 277,270 661,215 165,049 Interest income 1,308,649 3,938 1,354,283 2,283 1,401,154 5,079 Interest expense (592,776) - (483,506) - (547,546) - Tax Income / (expense) (105,266) (32,819) (169,957) (26,314) (83,455) (26,863) Current financial liabilities (excluding trade and other payables and provisions) 3,293,251 58,910 3,279,806 58,910 4,178,761 53,807 Non-current financial liabilities (excluding trade and other payables and provisions) 5,218,945 796 5,947,683 796 470,081 1,006

Property, plant and equipment

Property, plant and equipment	12 Months Ended
	Dec. 31, 2021
Property Plant And Equipment
Property, plant and equipment	12. Property, plant and equipment Tangible assets of the Bank relate to property for its own use. a) Breakdown The detail, by class of asset, of the tangible assets in the consolidated balance sheets is as follows: Tangible assets in the consolidated balance sheets Thousand of reais Cost Land and buildings IT equipment and fixtures Furniture and vehicles Leased Fixed Assets Others Total Balance on December 31, 2018 2,779,038 4,628,325 9,231,131 - 1,683 16,640,177 Initial adoption IFRS 16 - - - 2,465,750 - 2,465,750 Additions 85,333 826,685 1,012,395 - 370 1,924,783 Additions resulting mergers - - - 689,982 - 689,982 Cancellation of lease agreements - - - (72,951) - (72,951) Write-off (17,041) (122,926) (122,279) - - (262,246) Transfers (7,160) 13,236 51,445 - - 57,521 Balance on December 31, 2019 2,840,170 5,345,320 10,172,692 3,082,781 2,053 21,443,016 Initial adoption IFRS 16 - - - - - - Additions 8,831 559,388 667,704 - - 1,235,923 Additions resulting mergers - - - 738,603 - 738,603 Cancellation of lease agreements - - - (246,308) - (246,308) Write-off (23,771) (2,241,220) (416,600) - (2,681,591) Transfers (8,485) 120,158 39,861 - (806) 150,728 Balance on December 31, 2020 2,816,745 3,783,646 10,463,657 3,575,076 1,247 20,640,371 Initial adoption IFRS 16 - - - - - - Additions 32,959 435,858 693,957 - - 1,162,774 Additions by Company Acquisition - - - 103,449 - 103,449 Cancellation of lease agreements - - - (254,101) - (254,101) Write-off (50,181) (1,584,956) (402,817) - - (2,037,954) Transfers - 651,607 (468,561) - - 183,046 Balance on December 31, 2021 2,799,523 3,286,155 10,286,236 3,424,424 1,247 19,797,585 Accumulated depreciation Land and buildings IT equipment and fixtures Furniture and vehicles Leased Fixed Assets Others Total Balance on December 31, 2018 (760,844) (3,714,712) (5,511,258) - - (9,986,814) Additions (93,455) (482,256) (730,993) (564,132) - (1,870,836) Write-off 10,517 148,486 65,016 8,316 - 232,335 Transfers 15,091 10,272 (9,183) - - 16,180 Balance on December 31, 2019 (828,691) (4,038,210) (6,186,418) (555,816) - (11,609,135) Additions (86,954) (537,908) (846,881) (568,062) - (2,039,805) Write-off 11,020 2,263,857 359,618 - - 2,634,495 Transfers 1,765 66,717 (88,612) - - (20,130) Balance on December 31, 2020 (902,860) (2,245,544) (6,762,293) (1,123,878) - (11,034,575) Additions (108,946) (291,174) (896,705) (553,955) - (1,850,780) Write-off 38,337 940,737 448,471 572,833 - 2,000,378 Transfers - 10 (102,187) - - (102,177) Additions by Company Acquisition - - - - - - Change in scope of consolidation - - - - - - Balance on December 31, 2021 (973,469) (1,595,971) (7,312,714) (1,105,000) - (10,987,154) Losses from non-recovery (impairment) Balance on December 31, 2018 (13,859) - (50,529) - - (64,388) Impacts on results (587) - 13,050 - - 12,463 Balance on December 31, 2019 (14,446) - (37,479) - - (51,925) Impacts on results (11,162) - 7,789 - (13,387) (16,760) Balance on December 31, 2020 (25,608) - (29,690) - (13,387) (68,685) Impacts on results 3,310 - 38,729 - - 42,039 Balance on December 31, 2021 (22,298) - 9,039 - (13,387) (26,646) Carrying amount Balance on December 31, 2019 1,997,033 1,307,110 3,948,795 2,526,965 2,053 9,781,957 Balance on December 31, 2020 1,888,277 1,538,102 3,671,674 2,451,198 (12,140) 9,537,111 Balance on December 31, 2021 1,803,756 1,690,184 2,982,561 2,319,424 (12,140) 8,783,785 The depreciation expenses has been included in the heading “Depreciation and amortization” in the income statement. b) Tangible asset purchase commitments On December 31, 2021 58,413 0 0

Intangible assets - Goodwill

Intangible assets - Goodwill	12 Months Ended
	Dec. 31, 2021
Intangible assets - Goodwill	13. Intangible assets - Goodwill Goodwill is the excess between the acquisition cost and the Bank's interest in the net fair value of the acquiree's assets, liabilities and contingent liabilities. When the excess is negative (negative goodwill), it is immediately recognized in the income statement. In accordance with IAS 36, goodwill is tested annually for impairment purposes or whenever there is evidence of impairment of the cash-generating unit to which it was allocated. Goodwill is recorded at cost less accumulated impairment losses. Recognized impairment losses on goodwill are not reversed. Gains and losses on the disposal of an entity include the carrying amount of goodwill relating to the entity sold. The goodwill recorded is subject to impairment test (note 2.n.i) and has been allocated according to the operating segments (note 44). Based on the assumptions described below, no impairment loss was recognized for goodwill at December 31, 2021, 2020 and 2019 Breakdown Thousand of reais 2021 2020 2019 Breakdown Banco ABN Amro Real S.A. (Banco Real) 27,217,565 27,215,749 27,217,565 Toro Corretora de Títulos e Valores Mobiliários Ltda. 305,937 - - Liderança Serviços Especializados em Cobranças Ltda. 237,663 - - Olé Consignado (current denomination of Banco Bonsucesso Consignado) 62,800 62,800 62,800 Solutions 4Fleet Consultoria Empresarial S.A. 32,613 - - Return Capital Serviços de Recuperação de Créditos S.A. (current denomination of 24,346 24,346 24,346 Santander Brasil Tecnologia S.A. 16,381 16,381 16,382 Paytec Tecnologia em Pagamentos Ltda. 11,336 - - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 5,271     -     - Banco PSA Finance Brasil S.A. 1,557     1,557     1,557 Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) -     1,039,304     1,039,304 Super Pagamentos e Administração de Meios Eletrônicos Ltda. (Super) -     -     13,050 Total 27,915,469 28,360,137 28,375,004 Main assumptions Commercial Banking 2021 2020 2019 Main assumptions: Basis of determining recoverable amounts Value in use: cash flows Period of the projections of cash flows (1) 5 years 5 years 5 years Growth rate perpetual (1) 4.8% 4.3% 4.8% Discount rate (2) 12.3% 12.4% 12.5% (1) The projections of cash flow are prepared using Management´s growth plans and internal budget, based on historical data, market expectations and conditions such as industry growth, interest rate and inflation. (2) The discount rate is calculated based on the capital asset pricing model (CAPM). The discount rate before tax is 18.77% (2020 – 19.56% and 2019 – 17.88%). Changes of goodwill Thousand of reais 2021 2020 2019 Balance at beginning of the year 28,360,137 28,375,004 28,378,288 Additions (loss): Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) (1,039,304) - - Toro Corretora de Títulos e Valores Mobiliários Ltda. 305,937 - - Liderança Serviços Especializados em Cobranças Ltda. 237,663 - - Solution 4Fleet Consultoria Empresarial S.A. 32,613 - - Paytec Tecnologia em Pagamentos Ltda. 11,336 - - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 5,271 - - Others 1,816 (14,867) (3,284) Balance at end of the year 27,915,469 28,360,137 28,375,004 Goodwill tests are performed annually or when there are indications of impairment. A quantitative goodwill impairment test is carried out annually in the second half of 2021 and at the end of each year an analysis is carried out on the existence of signs of impairment. For the year 2021, 2020 and 2019, there were no indications of impairment. In the goodwill impairment test, discount rates and perpetuity growth are the most sensitive assumptions for calculating the present value (value in use) of discounted future cash flows. With a variation of +0.25% or -0.25% in these rates, the value of future cash flows discounted to present value continues to indicate the absence of impairment.

Intangible assets - Other intan

Intangible assets - Other intangible assets	12 Months Ended
	Dec. 31, 2021
Intangible assets - Other intangible assets	14. Intangible assets - Other intangible assets The details, by asset category, of the other intangible assets in the consolidated balance sheets are as follows: Cost IT Developments Other Assets Total Balance on December 31, 2018 6,910,273 411,071 7,321,344 Additions 1,290,686 15,757 1,306,443 Write-off (2,544,403) (130,622) (2,675,025) Transfers (26,758) (2,481) (29,239) Balance on December 31, 2019 5,629,798 293,725 5,923,523 Additions 990,184 73,238 1,063,422 Write-off (240,626) (7,803) (248,429) Transfers (25,515) 3,036 (22,479) Balance on December 31, 2020 6,353,841 362,196 6,716,037 Additions 1,429,459 71,103 1,500,562 Write-off (633,534) (3,270) (636,804) Transfers (124,157) - (124,157) Balance on December 31, 2021 7,025,609 430,029 7,455,638 Accumulated amortization Balance on December 31, 2018     (5,032,693) (311,950) (5,344,643) Additions (501,682) (19,339) (521,021) Write-off 2,326,982 79,945 2,406,927 Transfers (241,395) (288) (241,683) Balance on December 31, 2019 (3,448,788) (251,632) (3,700,420) Additions (534,000) (5,322) (539,322) Balance on December 31, 2020 (3,982,788) (256,954) (4,239,742) Additions (569,370) (13,771) (583,141) Write-off 343,216 (4,558) 338,658 Balance on December 31, 2021 (4,208,942) (275,283) (4,484,225) Losses from non-recovery (Impairment) - IT IT developments Other assets Total Balance on December 31, 2018 (320,710) (15,291) (336,001) Impact on net profit (1) 110,466 - 110,466 Write-off 207,925 15,291 223,216 Balance on December 31, 2019 (2,319) - (2,319) Impact on net profit (1) (66,269) -    (66,269) Transfers (1,346) - (1,346) Balance on December 31, 2020 (69,934) - (69,934) Impact on net profit (1) (23,066) (7,094) (30,160) Write-off - - - Balance on December 31, 2021 (93,000) (7,094) (100,094) Carrying amount Balance on December 31, 2019 2,178,691 42,093 2,220,784 Balance on December 31, 2020 2,301,119 105,242 2,406,361 Balance on December 31, 2021 2,723,667 147,652 2,871,319 (1) Refers to the impairment of assets in the acquisition and development of software. The loss in the acquisition and development of software was recorded due to obsolescence and discontinuity of the referred systems. Amortization expenses were included under "Depreciation and amortization" in the income statement.

Other assets

Other assets	12 Months Ended
	Dec. 31, 2021
Other assets	15. Other assets The breakdown of the balance of “Other assets” is as follows Thousand of reais 2021 2020 2019 Customer relationships 922,860 1,873,048 1,926,536 Prepayments and accrued income 797,365 1,007,792 1,059,223 Contractual guarantees of former controlling stockholders (Note 22.c.5) 496 496 103,272 Actuarial asset (Note 21) 287,808 361,149 346,422 Other receivables (1) 4,040,499 3,979,926 1,625,884 Total 6,049,028 7,222,411 5,061,337 (1) Corresponds mainly to receivables from third parties.

Deposits from the Brazilian Cen

Deposits from the Brazilian Central Bank and Deposits from credit institutions	12 Months Ended
	Dec. 31, 2021
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Deposits from the Brazilian Central Bank and Deposits from credit institutions	16. Deposits from the Brazilian Central Bank and Deposits from credit institutions The breakdown, by classification, type and currency, of the balances of these items is as follows: Classification, type and currency, of the balances Thousand of reais 2021 2020 2019 Classification: Financial liabilities at amortized cost 121,005,909 131,656,962 99,271,415 Total 121,005,909 131,656,962 99,271,415 Type: Deposits on demand (1) 126,203 296,340 685,026 Time deposits (2) 75,754,363 76,489,490 56,602,470 Repurchase agreements 45,125,343 54,871,132 41,983,919 Of which: Backed operations with Private Securities (3) 13,478,131 13,843,463 9,506,255 Backed operations with Government Securities 31,647,212 41,027,669 32,477,663 Total 121,005,909 131,656,962 99,271,415 (1) Non-interest bearing accounts. (2) Includes operations with credit institutions resulting from export and import financing lines, transfers from the country (BNDES and Finame) and abroad, and other credit lines abroad. (3) Refers primarily to repurchase agreements backed by own-issued debentures. Deposits from the Brazilian Central Bank and Deposits from credit institutions - by currency Thousand of reais 2021 2020 2019 Currency: Reais 62,322,887 77,743,482 58,282,793 Euro 9,309 13,156 39,522 US dollar 58,673,713 53,900,324 40,949,100 Total 121,005,909 131,656,962 99,271,415

Client deposits

Client deposits	12 Months Ended
	Dec. 31, 2021
Client Deposits
Client deposits	17. Client deposits The breakdown, by classification and type, of the balance of “Customer deposits” is as follows: Balance of Customer deposits Thousand of reais 2021 2020 2019 Classification: Financial liabilities at amortized cost 468,961,069 445,813,972 336,514,597 Total 468,961,069 445,813,972 336,514,597 Type: Demand deposits Current accounts (1) 41,742,247 35,550,105 28,231,479 Savings accounts 65,248,913 62,210,443 49,039,857 Time deposits 280,955,456 269,929,085 200,739,544 Repurchase agreements 81,014,453 78,124,340 58,503,717 Of which: Backed operations with Private Securities (2) 20,103,099 14,944,250 9,506,255 Backed operations with Government Securities 60,911,354 63,180,090 48,997,462 Total 468,961,069 445,813,972 336,514,597 (1) Non-interest bearing accounts. (2) Refers primarily to repurchase agreements backed by own-issued debentures. Note 43-d contains a detail of the residual maturity periods of financial liabilities at amortized cost.

Marketable debt securities

Marketable debt securities	12 Months Ended
	Dec. 31, 2021
Marketable Debt Securities
Marketable debt securities	18. Marketable debt securities The breakdown, by classification and type, of the balance of “Marketable debt securities” is as follows: Thousand of reais 2021 2020 2019 Classification: Financial liabilities at amortized cost 79,036,792 56,875,514 73,702,474 Total 79,036,792 56,875,514 73,702,474 Type: Real estate credit notes - LCI (1) 21,459,182 18,846,138 21,266,079 Eurobonds 12,952,068 9,399,277 8,715,382 Treasury Bills (2) 25,074,264 12,749,911 27,587,340 Agribusiness credit notes - LCA 16,989,434 14,746,831 14,776,877 Guaranteed Real Estate Credit Notes (3) 2,561,845 1,133,356 1,356,796 Total 79,036,792 56,875,514 73,702,474 (1) Real estate credit bills are fixed-income securities backed by real estate credits and guaranteed by mortgage or fiduciary sale of real estate. On December 31, 2021, they mature between 2022 and 2028 (2020 - with maturity between 2021 to 2027 2019 - with maturity between 2020 to 2026). (2) The main characteristics of the financial bills are a minimum term of two years, a minimum face value of R$50 and early redemption permit of only 5% of the issued amount. As of December 31, 2021, they mature between 2022 and 2031 (2020 – with maturity between 2021 to 2025 and 2019 – with maturity between 2020 to 2025). (3) Guaranteed Real Estate Bills are fixed-income securities backed by real estate credits guaranteed by the issuer and by a pool of real estate credits separated from the other assets of the issuer. As of December 31, 2021, they have a maturity period between 2022 and 2035 (12/31/20120- with a maturity period between 2021 and 2023). Indexers Indexers: Domestic Abroad Treasury Bills 100% to 112% of CDI - 100% of IGPM - 100% of IPCA - Pre fixed: 3.41% to 16.97% - 104.75% of SELIC - Real estate credit notes - LCI 86% to 105.8% of CDI - Pre fixed: 3.03% of 13.29% - 100% of IPCA - 1.5% to 1.7% of IPCA - 100% of TR - Agribusiness credit notes - LCA 70% to 104% of CDI - 3.33% to 12.33% da SELIC Guaranteed Real Estate Credit Notes - LIG 94% to 98% of CDI - 95% TO 108.5 do IPCA Eurobonds - 0.0% to 9% - CDI+6.4% The breakdown, by currency, of the balance of this account is as follows: Thousand of reais Currency: 2021 2020 2019 Real 66,084,725 47,490,706 64,987,092 US dollar 12,952,068 9,384,808 8,715,382 Total 79,036,792 56,875,514 73,702,474 Average interest (%) Currency: 2021 2020 2019 Real 1.5% 2.5% 5.0% US dollar 5.7% 5.2% 4.1% Total 3.5% 3.9% 4.5% The variations in the balance “Obligations for bonds and securities” were as follows Thousand of reais 2021 2020 2019 Balance at beginning of the year 56,875,514 73,702,474 74,626,232 Issuances 101,784,961 60,047,656 53,017,039 Payments (97,220,580) (82,900,914) (61,914,716) Interest (Note 32) 4,536,849 2,785,942 5,138,306 Exchange differences and Others (1) 13,060,048 3,240,356 2,835,613 Balance at end of the year 79,036,792 56,875,514 73,702,474 (1) Exchange variation linked to “Obligations for bonds and securities” are related to Eurobonds. On December 31, 2021, 2020 and 2019, none of these instruments was convertible into Bank shares or granted privileges or rights which, in certain circumstances, make them convertible into shares. The note 43-d contains a detail of the residual maturity periods of financial liabilities at amortized cost in each year. The breakdown of "Bonds and other securities" is as follows Issuance Maturity Currency Interest rate (p.y) 2021 2020 2019 Eurobonds 2017 2020 BRL 4.4% - - 929,042 Eurobonds 2018 2020 USD Until 3.5% - - 37,476 Eurobonds 2018 2020 USD Over 3.5% - - 35,438 Eurobonds 2019 2020 USD 0% to 4.4% - - 3,556,724 Eurobonds 2017 2025 USD 4.4% 117,150 14,469 63,181 Eurobonds 2018 2025 USD 0% to 4.4% 771,300 - Eurobonds 2017 2024 USD 2.4% to 10% - 853,929 664,996 Eurobonds 2018 2024 USD 6.6% to 6.7% - 1,625,192 1,260,099 Eurobonds 2018 2025 USD Until 9% - 1,720,187 1,427,601 Eurobonds 2019 2025 USD 0% to 4.4% 225,533 - - Eurobonds 2019 2026 USD 4.4% 75,716 - - Eurobonds 2019 2027 USD 0% to 4.4% 632,831 - - Eurobonds 2020 2022 USD 4.4% 306,253 - - Eurobonds 2020 2023 USD 0% to 4.4% 455,666 - - Eurobonds 2019 2027 USD CDI+6.4% - 1,279,506 727,118 Eurobonds 2020 2021 USD 0% to 4% - 3,252,482 - Eurobonds 2020 2021 USD CDI+1.9% - 170,257 - Eurobonds 2020 2022 USD 0% to 4% - 16,923 - Eurobonds 2020 2022 USD CDI+1.9% - 121,926 - Eurobonds 2020 2025 USD 0% to 8% 46,655 22,888 - Eurobonds 2020 2023 USD CDI+1.9% - 223,435 - Eurobonds 2020 2024 USD CDI+1.9% - 98,082 - Eurobonds 2021 2022 USD 0% a 4.4% 2,005,534 - - Eurobonds 2021 2022 USD Until 9% 41,749 - - Eurobonds 2021 2022 USD CDI+1.9% 205,624 - - Eurobonds 2021 2022 USD CDI + 2.65% 181,116 - - Eurobonds 2021 2023 USD 0% to 4.4% 408,824 - - Eurobonds 2021 2023 USD CDI+1.9% 157,370 - - Eurobonds 2021 2023 USD CDI + 2.65% 5,316 - - Eurobonds 2021 2024 USD 0% to 4.4% 246,192 - - Eurobonds 2021 2025 USD 0% to 4.4% 593,036 - - Eurobonds 2021 2026 USD 0% to 4.4% 3,890,578 - - Eurobonds 2021 2026 USD CDI + 2.65% 210,639 - - Eurobonds 2021 2027 USD 0% to 4.4% 101,029 - - Eurobonds 2021 2028 USD Until 9% 30,126 - - Eurobonds 2021 2028 USD CDI+6.4% 26,018 - - Eurobonds 2021 2031 USD 0% a 4.4% 2,217,811 - - Other - - 13,707 Total 12,952,068 9,399,276 8,715,382

Debt Instruments Eligible to Co

Debt Instruments Eligible to Compose Capital	12 Months Ended
	Dec. 31, 2021
Debt Instruments Eligible To Compose Capital
Debt Instruments Eligible to Compose Capital	19. Debt Instruments Eligible to Compose Capital Details of the balance of "Debt Instruments Eligible to Compose Capital" for the issuance of such instruments to compose the Tier I and Tier II of regulatory capital due to the Regulatory Capital Optimization Plan, are as follows: 2021 2020 2019 Issuance Maturity Issuance Value Interest Rate (p.a.) Tier I (1) nov-18 No-Maturity US$1,250 7.250% 7,050,080 6,554,451 5,092,153 Tier II (1) nov-18 nov/28 US$1,250 6.125% 7,038,527 6,565,209 5,083,808 Financial Bills - Tier II (2) nov-21 nov-31 R$ 5,300 CDI+2% 5,351,046 - - Financial Bills - Tier II (2) dez-21 dez-31 R$ 200 CDI+2% 201,755 - - Total 19,641,408 13,119,660 10,175,961 (1) The issues were carried out through the Cayman Branch and there is no Income Tax at source, and interest is paid semiannually, as of May 8, 2019. (2) Letras Financeiras issued in November 2021 have a redemption and repurchase option. Notes have the following common characteristics: (a) Unit value of at least US$150 thousand and in integral multiples of US$1 thousand which exceeds such minimum value; (b) The Notes may be repurchased or redeemed by Banco Santander after the 5th (fifth) anniversary from the date of issue of the Notes, at the Bank's sole discretion or due to changes in the tax legislation applicable to the Notes; or at any time, due to the occurrence of certain regulatory events. Changes in the balance of Debt Instruments Eligible to Compose Capital 2021 2020 2019 Balance at beginning of the year 13,119,660 10,175,961 9,779,944 Issuance - Tier II 5,500,000 - - Interest payment Tier I (1) 505,300 506,771 272,947 Interest payment Tier II (1) 449,899 402,622 230,594 Exchange differences / Others 977,855 2,948,951 221,368 Payments of interest - Tier I (493,071) (495,789) (178,278) Payments of interest - Tier II (418,235) (418,856) (150,614) Balance at end of the year 19,641,408 13,119,660 10,175,961 (1) The remuneration of interest relating to the Debt Instruments Eligible to Compose Capital Tier I and II was recorded against income for the period as "Interest expense and similar charges" (Note 32).

Other financial liabilities

Other financial liabilities	12 Months Ended
	Dec. 31, 2021
Other Financial Liabilities
Other financial liabilities	20. Other financial liabilities The breakdown of the balances of these items is as follows: Thousand of reais 2021 2020 2019 Credit card obligations 45,976,315 48,912,963 38,531,519 Unsettled financial transactions (1) 10,861,143 7,210,396 7,239,785 Dividends and Interest on Capital payable 1,029,952 1,223,310 7,826,247 Tax collection accounts - Tax payables 969,939 864,292 883,768 Liability associated with the transfer of assets (Note 9.g) 40,511 55,105 75,500 Other financial liabilities (2) 10,030,440 8,595,084 6,328,551 Total 68,908,300 66,861,150 60,885,370 (1) Includes operations to settle with B3 S.A. (Current Company Name of BM&FBovespa) and payment orders in foreign currency. (2) Refers substantially to cancelable financial liabilities, designated at fair value through profit or loss.

Provisions for pensions and sim

Provisions for pensions and similar obligations	12 Months Ended
	Dec. 31, 2021
Provisions for pensions and similar obligations	21. Provisions for pensions and similar obligations On December 31, 2021 2,728,126 3,929,265 4,960,620 I. Supplemental Pension Plan Banco Santander and its subsidiaries sponsor the closed pension entities for the purpose of granting pensions and supplementary pensions over those granted by the Social Security, as defined in the basic regulations of each plan. ● Banesprev - Fundo Banespa de Seguridade Social (Banesprev) - Plan I: - Plan II: - Plan III: - Supplemental Pension Plan Pré 75: - Plan I: - Plan II: - Three plans (DCA, DAB and CACIBAN): - Plan Sanprev I: - Plan Sanprev II: - Plan Sanprev III: ● Sanprev – Santander Associação de Previdência (Sanprev) Closed-End Private Pension Entity that used to manage three benefit plans, 2 in the Defined Benefit modality and 1 in the modality of Variable Contribution, whose process of management transfer of these plans to Banesprev occurred in January 2017. According to Portaria 389 of PREVIC, of May 8, 2018, it was approved the closure of the authorization of operation of Sanprev. ● Bandeprev - Bandepe Previdência Social (Bandeprev) Defined benefit plan, sponsored by Banco Bandepe and Banco Santander, managed by Bandeprev. The plans are divided into basic plan and special retirement supplement plan, with different eligibility requirements, contributions and benefits by subgroups of participants. The plans are closed to new entrants since 1999 for Banco Bandepe’s employees and for others since 2011. ● Other Plans SantanderPrevi - Sociedade de Previdência Privada (SantanderPrevi): The Retirement Plan of SantanderPrevi is structured as Defined Contribution and closed to new members since July 2018 as approved by PREVIC, with contributions shared between sponsors and plan participants. The appropriate values by the sponsors in the year of 2021 69,142 2020 69,142 2019 110,325 It has 10 cases of lifetime income with benefits arising from the previous plan. SBPREV - Santander Brasil Open Pension Plan: 2021 17,880 2020 14,054 II. Health and Dental Care Plan • Cabesp - Caixa Beneficente dos Funcionários do Banco do Estado de São Paulo S.A.: Entity that covers health and dental care expenses of employees hired until Banespa privatization in 2000, as defined in the entity's bylaws. • HolandaPrevi’s Retirees (current corporate name of SantanderPrevi): For the health care plan Retirement has lifetime nature and is a closed group. In his termination the employee should have completed 10 years of employment with Banco Real and 55 years of age. In this case it was offered the continuity of health care plan where the employee pays 70% and the Bank pays 30% of the monthly payment. This rule lasted until December, 2002 and after this period that the employee got terminated with the status Retired Holandaprevi, he pays 100% of the health plan monthly payment. • Former employees of Banco Real S.A. (Retiree by Circulars): It grants entitlement to healthcare to former employees of Banco Real, with lifetime benefit it was granted in the same condition as the active employee, in this case, with the same coverage and plan design. Eligible only for basic plans and premium apartment, if the beneficiary chooses for the apartment plan he pays the difference between the plans plus the co-participation in the basic plan. Not allowed new additions of dependents. It is subsidized in 90% of the plan. • Bandeprev’s retirees: Health care plan granted to Bandeprev’s retirees as a lifetime benefit, for which Banco Santander is responsible for subsidizing 50% of the benefits of employees retired until November 27, 1998. For whom retired after this date, the subsidy is 30%. • Directors with Lifetime Benefits (Lifetime Directors): Lifetime health care benefit granted to a small closed group of former directors coming from Banco Sudameris, being 100% subsidized by the Bank. • Health Directors: Directors, Executive Directors, Vice-President Directors and Chief Executive Officer, may, by choice, choose to remain medical assistance, in case of termination of the link with Banco Santander or companies in its conglomerate without cause; as long as they comply the following requirements: have contributed for at least 3 (three) years to the health plan; having served as a director at Banco Santander or companies its conglomerate for at least 3 (three) years; be 55 years of age. The plan will be maintained in the same way as the DIRECTOR enjoyed at the time of his dismissal, including the payment of his share, which must be paid by bank slip. The dependents active at the time of termination will be kept on the same plan as the director, and the inclusion of new dependents in no chance. • Free Clinic: Health care plan (free clinic) is offered for a lifetime to retirees who have contributed to the Foundation Sudameris for at least 25 years and has difference in default if the user chooses apartment. The plan is only offered in standard infirmary where the cost is 100% of the Foundation Sudameris. • Life insurance for Banco Real’s retirees (Life Insurance): For Retirees from Circulars: indemnity in case of Natural Death, Disease Disability, Accidental Death. The subsidy is 45% of the value. It is a closed group. • Life Insurance Assistance Boxes (Life Insurance): Included in the bulk of the life insurance in December 2018 the insurance of the retirees of the DCA, DAB and CACIBAN plans. This insurance was granted to retirees of the former Southern Bank, coverage was according to the choice of retiree at the time of joining the benefit. The Bank's allowance is 50% of the premium amount for the holder and some retirees have the spouse clause bearing 100% of the cost. The plan is closed for new participants. Additionally, it is assured to retired employees, since they meet to certain legal requirements and fully pay their respective contributions, the right to be maintaining as a beneficiary of the Banco Santander health plan, in the same conditions for healthcare coverage, taken place during their employment contract. Banco Santander provisions related to these retired employees are calculated using actuarial based in the present value of the current cost. III. Actuarial Techniques The amount of the defined benefit obligations was determined by independent actuaries using the following actuarial techniques: • Valuation method: Projected unit credit method, which uses each year of service as giving rise to an additional unit of benefit entitlement and measures each unit separately. • Nominal discount rate for actuarial obligation and calculation of interest on assets - Banesprev, Sanprev, SantanderPrevi, Bandeprev and Other Plans – 8.39 2020 6.8 2019 7.1 - Cabesp, Law 9,656 and others obligations – 8.44 2020 7.1 2019 7.2 • Estimated long-term inflation rate - Banesprev, Sanprev, SantanderPrevi, Bandeprev and Other Plans – 3.0 2020 3.3 2019 3.5 • Estimate salary increase rate - Banesprev, Sanprev, SantanderPrevi, Bandeprev Básico and Other Plans – 3.52 2020 3.8 2019 4.0 The funding status of the defined benefit obligations in 2021 Funding status of the defined benefit obligations 2021 2020 2019 Present value of the obligations - Post-employment plans: To current employees 320,202 478,837 687,786 Vested obligations to retired employees 26,183,758 28,202,580 27,369,696 Total 26,503,960 28,681,417 28,057,482 Less: Fair value of plan assets 28,321,826 28,634,891 25,822,890 Unrecognized assets (1) (3,645,083) (2,762,220) (1,346,547) Provisions – Post-employment plans, net 1,827,217 2,808,746 3,581,139 Present value of the obligations - Other similar obligations: To current employees 97,004 135,902 204,439 Vested obligations to retired employees 5,026,865 5,782,124 6,047,368 Total 5,123,869 5,918,026 6,251,807 Less: Fair value of plan assets 5,096,262 5,398,667 5,222,517 Unrecognized assets (1) (585,495) (240,010) - Provisions – Other similar obligations, net 613,101 759,370 1,029,290 Total provisions for pension plans, net 2,440,318 3,568,115 4,610,429 Of which: Actuarial provisions 2,728,126 3,929,265 4,960,620 Actuarial assets (note 15) 287,808 361,149 350,191 (1) Refers to fully funded surplus plans Banesprev I and III, Sanprev I,II and III and Bandeprev. The amounts recognized in the consolidated income statement in relation to the aforementioned defined benefit obligations Post-Employment Plans 2021 2020 2019 Staff costs - Current service costs (note 39) 1,799 4,186 2,774 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) (81,681) 108,268 149,232 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) 252,608 97,291 100,346 Other movements - 2,117 16,786 (1,101) Total 174,843 226,532 251,251 Amounts recognized in the consolidated income statement in relation to defined benefit obligations - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Staff costs - Current service costs (note 39) 6,820 5,860 8,142 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) 14,985 71,374 61,845 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) 31,500 - 3,173 Other movements - (135) (142) 22,624 Total 53,170 77,092 95,784 The changes in the present value of the accrued defined benefit obligations Post-Employment Plans 2021 2020 2019 Present value of the obligations at beginning of year 28,681,417 28,057,482 24,013,207 Current service cost (Note 39) 1,799 4,186 2,774 Interest cost 1,971,031 1,940,515 2,087,484 Benefits paid (2,159,866) (2,060,960) (1,960,103) Actuarial (gains)/losses (1,992,512) 722,261 3,908,350 Others 2,091 17,933 5,770 Present value of the obligations at end of year 26,503,960 28,681,417 28,057,482 Changes in the present value of the accrued defined benefit obligations - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Present value of the obligations at beginning of year 5,918,026 6,251,807 4,789,072 Current service cost (Note 39) 6,820 5,860 8,142 Interest cost 417,536 448,836 443,837 Benefits paid (373,341) (337,742) (378,782) Actuarial (gains)/losses (845,173) (450,735) 1,366,837 Other - - 22,701 Present value of the obligations at end of year 5,123,869 5,918,026 6,251,807 The changes in the fair value of the plan assets Post-Employment Plans 2021 2020 2019 Fair value of plan assets at beginning of year 28,634,891 25,822,890 22,708,990 Interest (Expense) Income 2,052,712 1,832,247 1,938,252 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net (791,317) 2,994,598 3,087,544 Contributions/(surrenders) 589,006 49,716 51,807 Of which: By the Bank 585,437 44,970 44,752 By plan participants 3,569 4,746 7,055 Benefits paid (2,159,866) (2,060,960) (1,960,103) Exchange differences and other items (3,600) (3,600) (3,600) Fair value of plan assets at end of year 28,321,826 28,634,891 25,822,890 Changes in the fair value of the plan assets - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Fair value of plan assets at beginning of year 5,398,667 5,222,517 4,157,251 Interest (Expense) Income 402,551 377,462 381,992 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense (521,100) (34,409) 915,626 Contributions/(surrenders) 151,926 132,416 107,037 Of which: By the Bank 151,926 132,416 107,037 Benefits paid (335,781) (299,319) (339,389) Fair value of plan assets at end of year 5,096,263 5,398,667 5,222,517 Breakdown of gains (losses) actuarial by experience, financial assumptions and demographic hypotheses: Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses Post-Employment Plans 2021 2020 2019 Experience Plan (2,640,120) (807,895) (446,444) Changes in Financial Assumptions 4,632,632 85,634 (2,615,119) Changes in Financial Demographic - - 1,228 Gain (Loss) Actuarial - Obligation 1,992,512 (722,261) (3,060,335) Return on Investment, Return Unlike Implied Discount Rate (791,317) 2,994,598 2,624,960 Gain (Loss) Actuarial - Asset (791,317) 2,994,598 2,624,960 Changes in Surplus / Deficit Uncollectible (630,255) (1,318,382) (164,428) Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Experience Plan (290,878) 289,237 (209,175) Changes in Financial Assumptions 1,136,497 182,120 (1,157,662) Changes in Financial Demographic (446) (20,621) - Gain (Loss) Actuarial - Obligation 845,173 450,735 (1,366,837) Return on Investment, Return Unlike Implied Discount Rate (521,100) (34,409) 915,626 Gain (Loss) Actuarial - Asset (521,100) (34,409) 915,626 Changes in Surplus Uncollectible (313,984) (240,010) 71,698 The experience adjustments arising from plan assets and liabilities Post - Employment Plans 2021 2020 2019 Experience in Net Assets Adjustments (791,317) 2,994,598 2,624,960 Other Similar Obligations 2021 2020 2019 Experience in Net Assets Adjustments (521,100) (34,409) 915,626 The amounts of actuarial obligation of defined benefit plans not covered and defined benefit plans partially or totally covered 2021 2020 2019 Defined benefit plans uninsured 613,101 759,370 815,929 Defined benefit plans partially or totally covered 31,014,727 33,840,073 33,493,360 The main categories of plan assets as a percentage of total plan assets 2021 2020 2019 Debt instruments 96.68% 97.41% 92.92% Properties 0.17% 0.17% 0.26% Other 3.15% 2.45% 6.82% The expected return on plan assets was determined based on the market expectations for returns over the duration of the related obligations. The actual return on plan assets was R$ 1,198,815 2020 4,826,845 2019 6,301,111 The following table shows the estimated benefits payable December 31, 2021 2022 2,511,841 2023 2,561,598 2024 2,608,572 2025 2,651,957 2026 2,691,303 2027 to 2031 13,884,478 Total 26,909,749 Assumptions about the rates related to medical care costs have a significant impact on the amounts recognized in income. The change of one percentage point in the medical care cost rates Sensitivity 2021 2020 2019 Current Service Cost and Interest Present Value of Obligations Current Service Cost and Interest Present Value of Obligations Current Service Cost and Interest Present Value of Obligations Discount Rate (+)0,5% (25,444) (305,114) (28,711) (402,547) (31,672) (440,072) (-)0,5% 28,133 337,349 32,099 450,049 35,572 494,257 Boards of Mortality Applied (+) 2 years (44,619) (535,039) (47,637) (667,904) (51,720) (718,632) Applied (-) 2 years 47,934 574,793 54,226 760,289 56,687 787,636 Cost of Medical Care (+)0,5% 31,280 375,089 34,718 486,769 38,388 533,380 (-)0,5% (28,762) (344,891) (31,637) (443,569) (35,060) (487,146) The following table shows the du ration of the actuarial liabilities of the plans sponsored Plans Post - Employment Plans Duration (in years) Banesprev Plans I 12.57 Banesprev Plans II 12.92 Banesprev Plans III 11.54 Banesprev Plans IV 14.82 Banesprev Plans V 9.51 Banesprev Pre-75 10.45 Sanprev I 6.79 Sanprev II 12.76 Sanprev III 11.06 Bandeprev Basic 10.53 Bandeprev Special I 7.23 Bandeprev Special II 6.46 SantanderPrevi 8.11 CACIBAN / DAB / DCA 7.27 5.93 6.47 Duration of the actuarial liabilities of the plans sponsored - Other Similar Obligations Plans Other Similar Obligations Cabesp 16.03 Bandepe 18.03 Free Clinic 12.28 Lifetime officers 9.36 Health officers 30.28 Circulars (1) 11.62 E 12.97 Life Insurance 8.04 (1) The duration 12.15 refers to the plan of Former Employees of Banco ABN Amro and 11.93 to the plan of Former Employees of Banco Real. Actuarial Assumptions Adopted in Calculations 2021 2020 2019 Pension Health Pension Health Pension Health Nominal Discount Rate for Actuarial Obligation 8.4% 8.4% 6.8% 7.1% 7.1% 7.2% Rate Calculation of Interest Under Assets to the Next Year 8.4% 8.4% 6.8% 7.1% 7.1% 7.2% Estimated Long-term Inflation Rate 3.0% 3.0% 3.3% 3.3% 3.5% 3.5% Estimated Salary Increase Rate 3.5% N/A 3.8% N/A 4.0% 4.0% Mortality tables AT2000 AT2000 AT2000 AT2000 AT2000 AT2000

Provisions for judicial and adm

Provisions for judicial and administrative proceedings, commitments and other provisions	12 Months Ended
	Dec. 31, 2021
Provisions for judicial and administrative proceedings, commitments and other provisions	22. Provisions for judicial and administrative proceedings, commitments and other provisions a) Breakdown The breakdown of the balance of “Provisions” is as follows: The breakdown of the balance of Provisions Thousand of reais 2021 2020 2019 Pension fund provisions and similar requirements 2,728,126 3,929,265 4,960,620 Provisions for lawsuits and administrative proceedings, commitments and other provisions 8,876,356 9,885,713 11,371,205 Judicial and administrative proceedings under the responsibility of former controlling stockholders (Note 15) 496 496 103,272 Judicial and administrative proceedings 7,668,914 8,648,892 9,226,735 Of which: Civil 3,231,004 3,429,155 3,201,061 Labor 2,071,811 2,886,990 3,504,296 Tax and Social Security 2,366,099 2,332,747 2,521,378 Provisions for contingent commitments (Note 22.b.1) 908,027 724,779 683,918 Others provisions 298,919 511,546 1,357,280 Total 11,604,482 13,814,978 16,331,825 b) Changes The changes in “Provisions” were as follows: Changes in Provisions Thousand of reais 2021 Pensions (1) Other Provisions Total Balance at beginning of year 3,929,265 9,885,713 13,814,978 Additions charged to income: Interest expense and similar charges 217,413 - 217,413 Personnel Expenses (Note 39) 8,619 - 8,619 Constitutions / Reversals and Adjustment of provisions (1,618) 1,997,788 1,996,170 Other Comprehensive Income (833,511) - (833,511) Additions to provisions for contingent commitments - 183,248 183,248 Payments to external funds (619,086) - (619,086) Amount paid - (3,222,395) (3,222,395) Transfer to other assets - actuarial assets (Note 15) 27,045 - 27,045 Transfers, exchange differences and other changes - 32,002 32,002 Balance at end of year 2,728,126 8,876,356 11,604,482 Thousand of reais 2020 Pensions (1) Other Provisions Total Balance at beginning of year 4,960,620 11,365,589 16,326,209 Additions charged to income: Interest expense and similar charges 276,933 - 276,933 Personnel Expenses (Note 39) 10,046 - 10,046 Constitutions / Reversals and Adjustment of provisions 13,044 1,565,402 1,578,446 Other Comprehensive Income (1,133,245) - (1,133,245) Additions to provisions for contingent commitments - 40,861 40,861 Payments to external funds (215,829) - (215,829) Amount paid - (3,136,423) (3,136,423) Transfer to other assets - actuarial assets (Note 15) 17,695 - 17,695 Transfers, exchange differences and other changes - 50,284 50,284 Balance at end of year 3,929,265 9,885,713 13,814,978 Thousand of reais 2019 Pensions (1) Other Provisions Total Balance at beginning of year 3,357,654 11,338,244 14,695,898 Additions charged to income: Interest expense and similar charges 314,596 - 314,596 Personnel Expenses (Note 39) 10,917 - 10,917 Constitutions / Reversals and Adjustment of provisions 21,523 2,936,187 2,957,710 Other Comprehensive Income 1,416,815 - 1,416,815 Additions to provisions for contingent commitments - (57,651) (57,651) Payments to external funds (183,899) - (183,899) Amount paid - (2,865,087) (2,865,087) Transfer to other assets - actuarial assets (Note 15) 23,014 - 23,014 Transfers, exchange differences and other changes - 19,512 -    19,512 Balance at end of year 4,960,620 11,371,205 16,331,825 (1) For further information, see note 22. Provisions for pension funds and similar obligations. b.1) Provisions for contingent payments According to note 1.iii, IFRS 9 requires that the provision for expected credit losses be recorded for contracts of financial guarantees rendered, which have not yet been honored. Provision expense reflecting credit risk should be measured and accounted for when the honor of these guarantees occurs and the client accused does not comply with its contractual obligations. The movement of these provisions in 2021 and 2020 is as follows: Movement of provisions Thousand of reais 2021 2020 2019 Balance at beginning of year 724,779 683,918 626,267 Creation of provision for contingent commitments 183,248 40,861 57,651 Balance at end of year 908,027 724,779 683,918 c) Tax and Social Security, Labor and Civil Provisions Banco Santander and its subsidiaries are involved in lawsuits and administrative proceedings related to tax, labor, social security and civil arising in the normal course of its activities. The provisions were constituted based on the nature, complexity, lawsuits historic and company´s assessment of lawsuit losses based on the opinions of internal and external legal advisors. The Santander has the policy to constitute provision of full amount of lawsuits who’s the result of loss assessment is probable. The legal obligation of tax and social security were fully recognized in the financial statements. Management understands that the provisions made are sufficient to meet legal obligations and any losses arising from legal and administrative proceedings as follows: c.1) Lawsuits and Administrative Proceedings – related to Tax and Social Security The main legal obligations and administrative proceedings, recorded at the line of “Tax Liabilities – Current”, recorded integrality as an obligation are described as follows: • PIS and Cofins - 4,075,496 3,993,873 Main lawsuits and administrative proceedings with probable loss risk Banco Santander and its subsidiaries are parties in lawsuits and administrative proceedings related to tax and social security matters, which their risk of loss is classified as probable, based on the opinion of legal counsel. Those are de main themes at the proceedings: • Provisional Contribution on Financial Transactions (CPMF) on Customer Operations - 945,715 924,457 • Social Security Contribution (INSS) - 53,936 51,409 • Tax on Services (ISS) - Financial Institutions - 283,528 263,183 224,631 c.2) Legal and Administrative Lawsuits of a Labor Nature These are lawsuits filed by Unions, Associations, the Public Ministry of Labor and former employees claiming labor rights they deem to be due, in particular the payment of “overtime” and other labor rights, including lawsuits related to retirement benefits. For lawsuits considered common and similar in nature, provisions are recorded based on the historical average of closed proceedings. Claims that do not meet the above criteria are provisioned based on an individual assessment carried out, and the provisions are set up based on the probable risk of loss, in the law and in case law, in accordance with the assessment of loss carried out by the legal advisors. Former employees of Banespa Our legal advisors classified the risk of loss as probable. The current decisions of the court, and neither of the court in the main proceedings, do not define a specific amount to be paid by the substituted, and the amounts must be calculated in regular settlement of the sentence. On December 31, 2021, the case is classified as probable loss and the provision was constituted based on the estimated loss c.3) Civil Judicial and Administrative Proceedings These provisions generally arise from: (1) lawsuits requesting revision of contractual terms and conditions or requests for monetary adjustments, including alleged effects of the implementation of various government economic plans, (2) lawsuits arising from financing contracts, (3) execution actions; and (4) damages claims. For civil actions considered common and similar in nature, provisions are recorded based on the historical average of closed proceedings. Claims that do not meet the above criteria are provisioned based on an individual assessment carried out, and the provisions are set up based on the probable risk of loss, in the law and in case law, in accordance with the assessment of loss carried out by the legal advisors. The main lawsuits classified as risk of probable loss are described below: Indemnity Actions Economic Plans Banco Santander is also party to public civil actions, on the same matter, filed by consumer protection entities, the Public Ministry or Public Defenders. The constitution of a provision is made only for cases with probable risk, based on requests for individual executions. The issue is still under review at the STF. There is jurisprudence in the STF favorable to Banks regarding economic phenomenon similar to that of savings, as in the case of correction of time deposits (CDBs) and corrections applied to contracts (table). However, the jurisprudence of the STF has not yet been consolidated on the constitutionality of the norms that modified the monetary standard in Brazil. On April 14, 2010, the Supreme Court of Justice (STJ) ruled that the deadline for bringing public civil actions discussing the purges is 5 years from the date of the plans, but this decision has not yet become final. Thus, with this decision, a large part of the actions, as they were proposed after a period of 5 years, will probably be dismissed, reducing the amounts involved. The STJ also decided that the period for individual savers to qualify for Public Civil Actions is also 5 years, counted from the final and unappealable decision of the respective sentence. Banco Santander believes in the success of the theses defended before these courts for their content and foundation. At the end of 2017, the Federal General Counsel (AGU), Bacen, the Consumer Defense Institute (Idec), the Brazilian Savings Front (Febrapo) and the Brazilian Federation of Banks (Febraban) signed an agreement that seeks to end the legal disputes over the Economic Plans. Discussions focused on defining the amount that would be paid to each author, according to the balance in the passbook on the date of the plan. The total value of the payments will depend on the number of subscriptions, and also on the number of savers who have proven in court the existence of the account and the balance on the anniversary date of the change in the indices. The term of agreement negotiated between the parties was approved by the STF. In a decision handed down by the STF, there was a national suspension of all processes that deal with the issue for the period of validity of the agreement, with the exception of cases in which the sentence was definitively complied with. On March 11, 2020, the agreement was extended by means of an amendment, with the inclusion of actions that involve only the discussion of the Collor I Plan. June 2020 Management considers that the provisions made are sufficient to cover the risks involved with the economic plans, considering the approved agreement. c.4) Tax and Social Security, Labor and Civil Contingent Liabilities Classified as Risk of Possible Loss These are legal and administrative proceedings of a tax, social security, labor and civil nature classified, based on the opinion of legal advisors, as a possible risk of loss, and therefore not provisioned. Tax lawsuits classified as possible losses totaled R$ 29,498,172 INSS on Profit Sharing (PLR) 7,340,746 Tax on Services (ISS) 4,145,661 Non-Approved Compensation 5,351,349 Amortization of Banco Real's Goodwill 1,466,444 Losses on Credit Operations 1,175,511 Use of CSLL Tax Loss and Negative Basis 1,092,625 Amortization of Banco Sudameris Goodwill 569,114 IRPJ and CSLL - Capital Gain 496,231 Labor claims classified as possible loss totaled R$ 267,267 in the Consolidated, excluding the process below: Readjustment of the Pension Supplements of Banesprev by the IGPDI Liabilities related to civil lawsuits with possible risk of loss totaled R$ 2,380,226 • Action for Indemnity Referring to Custody Services • Action Arising from Contractual Dispute c.5) Other Lawsuits for the Liability of Former Controllers They refer to civil lawsuits, in the amounts of R$ 496 496

Tax assets and liabilities

Tax assets and liabilities	12 Months Ended
	Dec. 31, 2021
Tax assets and liabilities	23. Tax assets and liabilities a) Income and Social Contribution Taxes The total charge for the year can be reconciled to accounting profit as follows: Thousand of reais 2021 2020 2019 Operating Profit Before Tax 24,750,329 9,663,975 22,273,149 Operating Profit Before Tax 24,750,329 9,663,975 22,273,149 Rates (25% income tax and 25% social contribution tax) (12,375,164) (4,348,789) (8,909,260) PIS and COFINS (net of income and social contribution taxes) (1,679,789) (1,589,260) (1,983,839) Non-taxable/Non-deductible: Equity in affiliates 72,114 85,723 59,795 Goodwill (559,247) (183,854) (137,175) Exchange variation - foreign branches (2) 768,902 6,831,484 715,424 Net Indeductible Expenses of Non-Taxable Income (3) (230,958) (57,663) 214,242 Adjustments: Constitution of income and social contribution taxes on temporary differences 264,191 551,983 70,223 Effects of change in rate of social contribution taxes 1,820,072 1,478,138 1,604,000 CSLL Aliquot Differential Effect (4) 1,192,687 353,777 2,796,493 Other adjustments 1,536,187 665,239 (71,602) Income taxes (9,191,005) 3,786,778 (5,641,699) Of which: Current tax (6) (8,087,119) (5,111,380) (6,692,328) Deferred taxes (1,103,886) 8,898,158 1,050,629 Taxes paid in the year (4,534,538) (1,269,150) (5,301,184) (1) PIS and COFINS are considered as components of the profit base (net base of certain income and expenses); therefore, and in accordance with IAS 12, they are accounted for as income taxes. (2) Permanent differences related to investment in overseas subsidiaries are considered to be non-taxable/deductible (see details below). (3) Mainly includes the tax effect on income from judicial deposit updates and other income and expenses that do not qualify as temporary differences (4) Effect of the rate differential for other non-financial and financial companies, whose social contribution rates are 9% and 20% Currency Hedge of the Grand Cayman Agency, Luxembourg Banco Santander operates a branch in the Cayman Islands, Luxembourg that is used primarily to raise funds in the international capital and financial markets, to provide the Bank with lines of credit that are extended to its customers for financing foreign trade and capital. of spinning. To cover exposure to exchange variations, the Bank uses derivatives and funding. Under Brazilian tax rules, gains or losses arising from the impact of the appreciation or devaluation of the Real on foreign investments were not taxable, but from January 2021 onwards, they became taxable or deductible for PIS/Cofins/IR purposes. /CSLL, while gains or losses on derivatives used as hedging are taxable or deductible. The purpose of these derivatives is to protect net income after taxes. Law 14,031, of July 28, 2020, determined that as of January 2021, 50% of the exchange rate variation on investments abroad must be computed in the determination of taxable income and the basis for calculating the Social Contribution on Net Income ( CSLL) of the investing company domiciled in the country. As of 2022, the exchange variation will be fully computed in the taxable bases of IRPJ and CSLL. Tax distinct treatment from such exchange rate differences results in volatility in "Operating Income Before Tax" and "Income taxes". The foreign exchange variations recorded as a result of foreign investments in the year ended on December 31, 2021 2020 2019 Foreign exchange variations recorded as a result of foreign investments 2021 2020 2019 Exchange differences (net) Result generated by the exchange rate variations on the Bank's investment in the Cayman, Luxemburg and EFC Branch 3,862,128 16,791,857 1,512,322 Gains (losses) on financial assets and liabilities (net) Result generated by derivative contracts used as hedge (6,374,108) (30,374,869) (2,776,601) Income Taxes Tax effect of derivative contracts used as hedge - PIS / COFINS 275,052 311,819 (106,497) Tax effect of derivative contracts used as hedge - IR / CS 2,236,928 13,271,193 1,370,776 b) Effective tax rate calculation The effective tax rate is as follows: The effective tax rate Thousand of reais 2021 2020 2019 Operating Profit Before Tax 24,750,328 9,663,975 22,273,149 Income tax 9,191,005 (3,786,778) 5,641,699 Effective tax rate 37.13% (39.18%) 25.33% c) Tax recognized in equity In addition to the income tax recognized in the consolidated income statement, the Bank recognized the following amounts in consolidated equity: The Bank recognized the following amounts in consolidated equity Thousand of reais 2021 2020 2019 Tax credited to equity 4,583,297 3,008,035 3,517,590 Measurement at fair value through other comprehensive income 1,978,165 472,472 416,748 Measurement of cash flow hedges 388,307 1,533 186 Measurement of investment hedges 562,353 562,353 562,353 Defined benefit plan 1,654,472 1,971,677 2,538,303 Tax charged to equity (2,349,500) (3,087,311) (3,952,457) Measurement at fair value through other comprehensive income (2,340,394) (2,700,991) (3,618,126) Measurement of cash flow hedges - (386,284) (322,080) Defined benefit plan (9,106) (36) (12,251) Total 2,233,797 (79,276) (434,867) Relates to deferred taxes recognized in equity due to temporary differences accounted for in equity. d) Deferred taxes The detail of the balances of “Tax assets – Deferred” and “Tax liabilities – Deferred” is as follows: Balances of Tax assets - Deferred and Tax liabilities - Deferred Thousand of reais 2021 2020 2019 Tax assets: 37,640,297 37,981,698 30,295,062 Of which: Temporary differences (1) 32,884,314 32,113,436 29,565,702 Tax loss carry forwards 4,755,983 5,693,104 367,120 Social contribution taxes 18% - 175,158 362,240 Total deferred tax assets 37,640,297 37,981,698 30,295,062 Tax liabilities: 2,225,190 4,546,595 5,540,873 Of which: Excess depreciation of leased assets - 166,903 148,839 Adjustment to fair value of trading securities and derivatives 2,225,190 4,379,692 5,392,034 Total deferred tax liabilities 2,225,190 4,546,595 5,540,873 (1) Temporary differences that refer mainly to impairment losses on loans and receivables, provisions for legal and administrative proceedings and the effect of the fair value of financial instruments. The changes in the balances of “Tax Assets – Deferred” and “Tax Liabilities – Deferred” in the last three years were as follows: Changes in the balances of Tax Assets - Deferred and Tax Liabilities - Deferred Thousand of reais Balances at December 31, 2018 Adjustment to Income Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2021 Tax assets: 37,981,699 (3,609,495) 1,696,091 1,572,002 - 37,640,297 Temporary differences 32,113,436 (2,497,215) 1,696,091 1,572,002 - 32,884,315 Tax loss carry forwards 5,693,104 (937,121) - - - 4,755,983 Social contribution taxes 18% 175,159 (175,159) - - - - Tax liabilities: 4,546,595 (1,344,268) (977,137) - - 2,225,190 Temporary differences 4,546,595 (1,344,268) (977,137) - - 2,225,190 Total 33,435,104 (2,265,227) 2,673,228 1,572,002 - 35,415,107 Thousand of reais Balances at December 31, 2017 Adjustment to Income Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2020 Tax assets: 30,295,060 8,362,100 (400,583) (418,784) 161,603 37,999,396 Temporary differences 29,565,700 3,223,197 (400,583) (418,784) 161,603 32,131,133 Tax loss carry forwards 367,120 5,325,984 - - - 5,693,104 Social contribution taxes 18% 362,240 (187,081) - - - 175,159 Tax liabilities: 5,540,873 129,231 (1,063,160) (60,349) - 4,546,595 Temporary differences 5,540,873 129,231 (1,063,160) (60,349) - 4,546,595 Total 24,754,187 8,232,869 662,577 (358,435) 161,603 33,452,801 Thousand of reais Balances at December 31, 2016 Adjustment to Income Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2019 Tax assets: 27,680,578 3,693,727 471,499 (1,550,744) - 30,295,060 Temporary differences 26,416,527 4,240,405 471,499 (1,562,731) - 29,565,700 Tax loss carry forwards 846,587 (491,454) - 11,987 - 367,120 Social contribution taxes 18% 417,464 (55,224) - - - 362,240 3,031,389 781,448 1,773,065 (45,029) - 5,540,873 Temporary differences 3,031,389 781,448 1,773,065 (45,029) - 5,540,873 Total 24,649,189 2,912,279 (1,301,566) (1,505,715) - 24,754,187 (1) It relates to deferred taxes recognized in equity due to temporary differences accounted in equity. (2) In 2021, it mainly refers to net of deferred taxes amounted to R$1,572,003 (2020 - R$1,358,435 and 2019 - R$1,505,715), which have the same counterparty and realization period. e) Expected realization of deferred tax assets Expected realization of deferred tax assets Tax assets Tax liabilities Year Temporary differences Tax loss carry forwards Total Temporary differences Total 2022 10,032,946 1,917,879 11,950,826 573,982 573,982 2023 10,544,315 1,781,778 12,326,093 573,982 573,982 2024 8,684,796 987,568 9,672,364 458,404 458,404 2025 1,870,257 40,732 1,910,989 546,114 546,114 2026 976,574 7,063 983,637 12,717 12,717 2027 a 2031 775,250 21,139 796,388 59,991 59,991 Total 32,884,138 4,756,159 37,640,297 2,225,190 2,225,190

Other liabilities

Other liabilities	12 Months Ended
	Dec. 31, 2021
Other liabilities	24. Other liabilities The breakdown of the balance of “Other Liabilities” is as follows: Thousand of reais 2021 2020 2019 Accrued expenses and deferred income (1) 2,649,744 5,115,936 5,038,011 Transactions in transit (3) 796,671 674,162 785,418 Provision for share-based payment 319,660 325,930 317,539 Liabilities for insurance contracts 2,011,596 1,987,577 1,901,801 Other (2) 4,723,707 5,947,640 2,878,175 Total 10,501,378 14,051,245 10,920,944 (1) Corresponds, mainly, to payments to be made - personnel expenses. (2) Includes credits for funds to be released, such as Administratives expenses, amounts due to associates and suppliers. (3) Includes mainly the amounts to transfer to the credit card companies (resources in transit) and amount to release referred to the real estate credits.

Other Comprehensive Income

Other Comprehensive Income	12 Months Ended
	Dec. 31, 2021
Disclosure of analysis of other comprehensive income by item [abstract]
Other Comprehensive Income	25. Other Comprehensive Income The balances of Other Comprehensive Income include the amounts, net of the related tax effect, of the adjustments to assets and liabilities recognized temporarily in equity stated in the Consolidated Statement of Changes in Equity and Consolidated Statements of Comprehensive Income until they are extinguished or realized, when they are recognized in the consolidated income statement. The amounts attributable to subsidiaries, investments in associates and joint ventures are presented, on a line by line basis, in the appropriate items based on their nature. It should be noted that the consolidated Statements of Comprehensive Income includes the changes to Other Comprehensive Income as follows: - Revaluation gains (losses): This includes the amount of the gains, net of losses incurred in the year, recognized directly in equity. The amounts recognized in equity in the year remain under this heading, even if in the same year they are transferred to the income statement or to the initial carrying amount of the assets or liabilities or are reclassified to another heading. - Amounts transferred to income statement: This includes the amount of the revaluation gains (losses) previously recognized in equity, even in the same year, which are subsequently recognized in the income statement. - Amounts transferred to the initial carrying number of hedged objects: This includes the amount of the revaluation gains (losses) previously recognized in Equity, even in the same year, which are recognized in the initial carrying amount of assets or liabilities as a result of cash flow hedges. - Other transfers: This includes the amount of the transfers made in the year between the various Other Comprehensive Income items. In the Consolidated Statements of Comprehensive Income, the amounts in "Other Comprehensive Income" are recognized gross, including the amount relating to non-controlling interests, and the corresponding tax effect is presented under a separate heading, except in the case of entities accounted for using the equity method, the amounts for which are presented net of the tax effect. a) Financial assets measured at fair value through other comprehensive income a.1) Financial assets measured at fair value through other comprehensive income Other Comprehensive Income – Financial assets measured at fair value through other comprehensive income includes the net amount of unrealized changes in the fair value of assets classified as available-for-sale financial assets (see Notes 6 and 7), net of taxes. The breakdown, by type of instrument and geographical origin of the issuer, of Other Comprehensive Income Financial assets measured at fair value through other comprehensive income (IFRS 9) on December 31, 2021 is as follows: Thousand of reais 2021 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 6,756,252 (9,937,757) (3,181,505) 101,158,055 Private-sector debt securities 795,765 (3,965) 791,800 54,545 Total 7,552,017 (9,941,722) (2,389,705) 101,212,600 Thousand of reais 2020 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 11,061,691 (8,832,504) 2,229,187 109,317,614 Private-sector debt securities 953,043 (840,101) 112,942 38,131 Total 12,014,734 (9,672,605) 2,342,129 109,355,745 Thousand of reais 2019 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 7,251,721 (3,952,558) 3,299,163 95,961,823 Private-sector debt securities 824,294 (778,175) 46,119 1,104 Total 8,076,015 (4,730,733) 3,345,282 95,962,927 At each reporting date, the Bank assesses whether there is any objective evidence indicating that the available-for-sale financial assets (debt securities and equity instruments) are impaired. b) Cash flow hedges Other Comprehensive Income — Cash flow hedges includes the gains or losses attributable to hedge instruments that qualify as effective hedges. These amounts will remain under this heading until they are recognized in the consolidated income statement in the periods in which the hedged items affect them (see Note 8). c) Hedges of net investments in foreign operations and Translation adjustments foreign investment Other Comprehensive Incomes — Hedges of net investments in foreign operations includes the net amount of changes in the value of hedging instruments in hedges of net investments in foreign operations. In 2019 Other Comprehensive Income — Exchange differences includes the net amount of the differences arising on the translation to Reais of the balances of the consolidated entities whose functional currency is not the Reais (Note 2.a).

Non-controlling interests

Non-controlling interests	12 Months Ended
	Dec. 31, 2021
Non-controlling interests	26. Non-controlling interests "Non-controlling interests" refer to the net equity value attributable to equity instruments that do not belong, directly or indirectly, to the Bank, including the portion of the annual profit attributed to the subsidiaries. a) Breakdown The detail, by company, of the balance of “Equity - Non-controlling interests” is as follows: Thousand of reais 2021 2020 2019 Financial Position of non-controlling interest 334,349 312,885 558,581 Santander Leasing S.A. Arrendamento Mercantil - - 447 Olé Consignado S.A. - - 271,078 Banco PSA Finance Brasil S.A. 129,289 138,644 131,222 Rojo Entretenimento S.A. 6,939 7,087 7,245 Banco Hyundai Capital 183,538 167,155 148,589 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 3,109 - - Toro Corretora de Títulos e Valores Mobiliários Ltda. 11,474 - - Balance of Profit attributable to non-controlling interests Thousand of reais 2021 2020 2019 Profit attributable to non-controlling interests 31,272 32,224 224,518 Of which: Santander Leasing S.A. Arrendamento Mercantil - (444) 3 Getnet S.A. - - 3,962 Olé Consignado S.A. - - 199,332 Banco PSA Finance Brasil S.A. 12,688 14,146 15,887 Rojo Entretenimento S.A. (148) (159) 230 Banco Hyundai Capital 21,563 18,681 2,520 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 1,569 - - Toro Corretora de Títulos e Valores Mobiliários Ltda. (4,400) - - Return Capital Serviços de Recuperação de Créditos S.A. (Current name of Ipanema Empreendimentos e Participações Ltda.) - - 2,584 b) Changes The changes in the balance of “Non-controlling interests” are summarized as follows: Thousand of reais 2021 2020 2019 Balance at beginning of year 312,885 558,581 529,990 Additions / disposals (net) due to change in the scope of consolidation (1) 17,415 (271,078) 51,073 Dividends paid / Interest on Capital (19,138) - (92,734) Capital increase (2) - - 100,000 Profit attributable to non-controlling interests 31,272 32,224 224,518 Update PUT Olé Consignado S.A. - - (240,000) Others (8,085) (6,842) (14,266) Balance at end of year 334,349 312,885 558,581 (1) In 2019, mainly refers to Banco Hyundai Capital, which was consolidated using the equity method. In 2020, it refers to the merger of Banco Olé Consignado S.A by the Company. In 2021, it refers to the merger of Toro Corretora de Títulos e Valores Mobiliários S.A and Gira – Gestão Integrada de Receivíveis do Agronegócio S.A. (2) In 2019, refers to the capital increase of Olé Consignado.

Shareholders_ equity

Shareholders’ equity	12 Months Ended
	Dec. 31, 2021
Shareholders Equity
Shareholders’ equity	27. Shareholders’ equity a) Capital According to the by-laws, Banco Santander's capital stock may be increased up to the limit of its authorized capital, regardless of statutory reform, by resolution of the Board of Directors and through the issuance of up to 9,090,909,090 At the Extraordinary Shareholders' Meeting held on March 31, 2021, it was approved in the context of the partial spin-off of Santander Brasil, which resulted in the segregation of the shares of its ownership issued by Getnet Adquirência e Serviços para Meios de Contas SA. (“Getnet”), with version of the spun-off portion for Getnet, the reduction in the share capital of Santander Brasil in the total amount of two billion reais, without the cancellation of shares, increasing the share capital of Santander Brasil from fifty-seven billion reais to fifty-five billion of reais. The capital stock, fully subscribed and paid, is divided into registered book-entry shares with no par value. Thousand of shares 2021 2020 Common Preferred Total Common Preferred Total Brazilian residents 109,718 135,345 245,063 109,885 135,438 245,323 Foreign residents 3,708,977 3,544,491 7,253,468 3,708,810 3,544,398 7,253,208 Total shares 3,818,695 3,679,836 7,498,531 3,818,695 3,679,836 7,498,531 (-) Treasury shares (15,755) (15,755) (31,510) (18,829) (18,829) (37,658) Total outstanding 3,802,940 3,664,081 7,467,021 3,799,866 3,661,007 7,460,873 Thousand of shares 2019 Common Preferred Total Brazilian residents 90,069 115,785 205,854 Foreign residents 3,728,626 3,564,051 7,292,677 Total shares 3,818,695 3,679,836 7,498,531 (-) Treasury shares (16,702) (16,702) (33,404) Total outstanding 3,801,993 3,663,134 7,465,127 b) Dividends and Interest on Capital By-laws, shareholders are guaranteed a minimum dividend of 25% of net income for each year, adjusted in accordance with legislation. Preferred shares do not have voting rights and cannot be converted into common shares, but they have the same rights and advantages granted to common shares, in addition to priority in the distribution of dividends and an additional 10% on dividends paid to common shares, and in the reimbursement of capital, without premium, in the event of the Bank's dissolution. Dividends were calculated and paid in accordance with Brazilian Corporate Law. Before the Annual Shareholders' Meeting, the Board of Directors may decide on the declaration and payment of dividends on the profits earned, based on: (i) balance sheets or profit reserves existing in the last balance sheet or (ii) balance sheets issued in periods of less than six months, provided that the total dividends paid in each semester of the fiscal year does not exceed the amount of capital reserves. These dividends are fully imputed to the mandatory dividend. CMN Resolution No. 4,885, of December 23, 2020, prohibits institutions authorized to operate by the Central Bank of Brazil from remunerating equity above the highest between: i) 30% of net income adjusted pursuant to item I of article 20 of Law No. 6.404/76; or ii) mandatory minimum dividends established by article 202 of Law 6,404/76, including in the form of Interest on Equity, until December 31, 2020. The rule also prohibits the reduction of the share capital, except in specific situations, and the increase in the remuneration of its officers, administrators and members of the Board of Directors and the Fiscal Council. We present below the distribution of dividends and Interest on Equity made on December 31, 2021 and December 31, 2020 and 2019. 2021 Real per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Dividends (1)(5) 3,000,000 382.98 421.28 804.26 382.98 421.28 804.26 Interest on Capital (2)(5) 3,400,000 434.04 477.45 911.49 368.94 405.83 774.77 Dividends (3)(5) 3,000,000 382.98 421.28 804.26 382.98 421.28 804.26 Interest on Capital (4) (5) 249,000 31.79 34.97 66.75 27.02 29.72 56.74 Total 9,649,000 (1) Resolved by the Board of Directors on April 27, 2021, paid on June 2, 2021, without any remuneration as monetary restatement. (2) Resolved by the Board of Directors on July 27, 2021, paid on September 3, 2021, without any remuneration as monetary restatement. (3) Resolved by the Board of Directors on October 26, 2021, paid on December 3, 2021, without any remuneration as monetary restatement. (4) Resolved by the Board of Directors on December 28, 2021, paid on February 3, 2022, without any remuneration as monetary restatement. (5) They were fully imputed to the mandatory minimum dividends distributed by the Bank for the year 2021. 2020 Real per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Interest on Capital (1) (5) 890,000 113.71 125.08 238.80 96.65 106.32 202.97 Interest on Capital (2) (5) 770,000 98.37 108.21 206.58 83.62 91.98 175.61 Interest on Capital (3) (5) 1,000,000 127.76 140.54 268.30 108.59 119.45 228.04 Interest on Capital (4) (5) 665,000 84.96 93.45 178.41 72.21 79.44 151.65 Dividends (5)(6) 512,085 65.43 71.97 137.39 65.43 71.97 137.39 Total 3,837,085 (1) Resolved by the Board of Directors on April 27, 2020, paid on June 24, 2020, without any remuneration as restatement. (2) Resolved by the Board of Directors on July 28, 2020, paid on September 25, 2020, without any remuneration on account of monetary restatement. (3) Resolved by the Board of Directors on October 26, 2020, paid on December 23, 2020, without any remuneration to monetary restatement title. (4) Resolved by the Board of Directors on December 28, 2020, paid from February 1, 2021, without any remuneration by way of monetary restatement. (5) They were fully allocated to the mandatory minimum dividends to be distributed by the Bank for the year 2020. (6) Deliberated by the Board of Directors on February 2, 2021, paid on March 3, 2021, without any monetary restatement. 2019 Reais per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Interest on Capital (1) (6) 1,000,000 127.59 140.34 267.93 108.45 119.29 227.74 Interest on Capital (2) (6) 1,000,000 127.64 140.40 268.04 127.64 140.40 268.04 Interest on Capital (3) (6) 1,000,000 127.66 140.43 268.09 108.51 119.36 227.87 Interim Dividends (4) (6) 1,010,000 128.97 141.86 270.83 109.62 120.58 230.21 Interest on Capital (5) (6) 6,790,000 867.02 953.72 1,820.74 867.02 953.72 1,820.74 Total 10,800,000 (1) Resolved by the Board of Directors on March 29, 2019, paid on May 28, 2019, without any remuneration as monetary restatement. (2) Resolved by the Board of Directors on June 28, 2019, paid on July 31, 2019, without any remuneration as monetary restatement. (3) Resolved by the Board of Directors on September 30, 2019, paid on October 30, 2019, without any remuneration as monetary restatement. (4) Resolved by the Board of Directors on December 27, 2019, paid on February 21, 2020, without any remuneration as monetary restatement. (5) Resolved by the Board of Directors on December 27, 2019, paid on February 21, 2020, without any remuneration as monetary restatement. (6) The amount of interest on equity and interim dividends were fully allocated to the mandatory minimum dividends distributed by the Bank for the year 2019. c) Reserves The reserves are allocated as follows after the deductions and statutory provisions, from the net income: Legal reserve In accordance with Brazilian Corporate Law, 5% is transferred to the legal reserve, until it reaches 20% of the share capital. This reserve is designed to ensure the integrity of the capital and can only be used to offset losses or increase capital. Capital reserve The Bank´s capital reserve consists of: goodwill reserve for subscription of shares and other capital reserves, and can only be used to absorb losses that exceed retained earnings and profit reserves, redemption, reimbursement or acquisition of shares for the Bank´s own issue; capital increase, or payment of dividends to preferred shares under certain circumstances. Reserve for equalization dividend After the allocation of dividends, the remaining balance if any, may, upon proposal of the Executive Board and approved by the Board of Directors, be allocated to reserve for equalization of dividends, which will be limited to 50% of the capital. This reserve aims to ensure funds for the payment of dividends, including as interest on own capital, or any interim payment to maintain the flow of shareholders remuneration. At the Extraordinary General Meeting held on March 31, 2021, it was approved in the context of the partial spin-off of Santander Brasil, which resulted in the segregation of the shares owned by it issued by Getnet Adquirência e Serviços para Meios de Pagamentos S.A. (“Getnet”), with version of the spun-off portion to Getnet, the reduction of reserves for equalization of dividends of Santander Brasil in the total amount of R$1,167,674. The reduction includes the remaining balance of the equity of the spun-off portion, as well as the write-off of the option to acquire an equity instrument. d) Treasury shares At a meeting held on February 2, 2021, the Board of Directors approved, in continuity with the buyback program that expired on November 4, 2020, a new buyback program for Units and ADRs issued by Banco Santander, directly or through its branch in Cayman, for maintenance in treasury or subsequent disposal. T he Buyback Program covers the acquisition of up to 36,956,402 Units, representing 36,956,402 common shares and 36,956,402 preferred shares, which corresponded, on December 31, 2021, to approximately 1% of the Bank's capital stock. As of December 31, 2021, Banco Santander had 355,661,814 383,466,228 The repurchase aims to (1) maximize the generation of value for shareholders through an efficient management of the capital structure; and (2) enable the payment of administrators, management level employees and other employees of the Bank and of companies under its control, under the terms of the Long-Term Incentive Plans. The term of the Buyback Program is up to 18 months from February 3, 2021, ending on August 2, 2022. 2021 2020 2019 Quantity Quantity Quantity Units Units Units Treasury shares at beginning of the period 18,829 16,702 13,317 Shares Acquisitions 91 5,052 6,465 Payment - Share-based compensation (3,165) (2,925) (3,080) Treasury shares at end of the period 15,755 18,829 16,702 Balance of Treasury Shares in thousand of reais R$ 711,268 R$ 789,587 R$ 679,364 R$ 1,771 R$ 1,771 R$ 1,771 Balance of Treasury Shares in thousands of reais R$ 713,039 R$ 791,358 R$ 681,135 Cost/Share Price Units Units Units Minimum cost (1) R$7.55 R$7.55 R$7.55 Weighted average cost (1) R$33.86 R$33.24 R$28.59 Maximum cost (1) R$49.55 R$49.55 R$43.84 Share Price R$29.98 R$44.83 R$42.70 (1) Considering since the beginning of operations on the stock exchange. Additionally, in the year ended December 31, 2021, treasury shares were sold, that resulted in a gain of R$ 40,820 9,274 5,796

Earnings per share

Earnings per share	12 Months Ended
	Dec. 31, 2021
Earnings per share	28. Earnings per share a) Basic earnings per share Basic earnings per share is calculated by dividing the net profit attributable to the Parent by the weighted average outstanding shares during the year average number, excluding the average number of own shares held during the year and held in treasury 2021 2020 2019 Profit attributable to the Parent 15,528,052 13,418,529 16,406,932 Earnings per share (R$) Basic earnings per 1,000 shares (R$) Common shares 1,981.65 1,713.45 2,094.83 Preferred shares 2,179.82 1,884.80 2,304.32 Net Profit attributable - Basic (R$) Common shares 7,535,924 6,511,367 7,965,194 Preferred shares 7,992,128 6,907,162 8,441,738 Weighted average shares outstanding (in thousands) - Basic Common shares 3,802,851 3,800,140 3,802,303 Preferred shares 3,666,423 3,664,666 3,663,444 b) Diluted earning per share The diluted earnings per share is calculated by dividing the net profit attributable to the Parent by the weighted average outstanding shares during the year average number, excluding the average number of own shares held during the year and held in treasury, including the effect of dilutive potential programs long-term compensation. Diluted earnings per share 2021 2020 2019 Profit attributable to the Parent 15,528,052 13,418,529 16,406,932 Earnings per share (R$) Diluted earnings per 1,000 shares (R$) Common shares 1,981,65 1,713,45 2,094,83 Preferred shares 2,179,82 1,884,80 2,304,32 Net Profit attributable - Basic (R$) Common shares 7,535,924 6,511,367 7,965,194 Preferred shares 7,992,128 6,907,162 8,441,738 Weighted average shares outstanding (in thousand) - Diluted Common shares 3,802,851 3,800,140 3,802,303 Preferred shares 3,666,423 3,664,666 3,663,444

Fair value of financial assets

Fair value of financial assets and liabilities	12 Months Ended
	Dec. 31, 2021
Fair value of financial assets and liabilities	29. Fair value of financial assets and liabilities Under IFRS 13, the fair value measurement uses a fair value hierarchy that reflects the model used in the measurement process which should be in accordance with the following hierarchical levels: Level 1: Level 2: Level 3: Trading Financial Assets, Other financial assets at fair value on through income statement, Available-for-sale financial assets and Financial liabilities held for trading. Level 1: Level 2: Level 3: Derivatives Level 1: Level 2: When pricing the financial instruments aforementioned, it is used the Black-Scholes Model (exchange rate options, interest rate options; caps and floors) and the present value method (discount of future values by market curves). Level 3: Category Type Asset/Liability Valuation technique Main unobservable inputs Linear derivatives Coupon Fra BMF Closing Prices Currency Coupon rate - long term Inflation Swap Discounted cash flow IGPM Coupon rate Interest Rate Swap Discounted cash flow Pre-fixed rates – long term Non linear derivatives Equities Options Black&Scholes Implicit volatility- long term Inflation Options Black&Scholes IPCA Implicit volatility- long term Interest Rate Options Black&Scholes IDI Implicit volatility- long term Currency Options Black&Scholes USD/BRL Implicit volatility- long term Cash Pension Plan Liability Actuarial Model IGPM Coupon rate Private Bonds Discounted cash flow Discount rate ("Yields") Public Bonds Discounted cash flow NTN-C and TDA Discount rate ("Yields") Put options Put Options Discounted cash flow Growth and Discount rates The table below shows a summary of the fair values ​​of financial assets and liabilities for the years ended December 31, 2021, 2020 and 2019, classified based on the various measurement methods adopted by the Bank to determine their fair value Summary of the fair values of financial assets and liabilities 12/31/2021 Level 2 Level 3 Total Financial Assets Measured at Fair Value Through Profit or Loss 601,204 15,736,825 2,520,813 18,858,842 Debt instruments 601,204 - 2,520,813 3,122,017 Balances with The Brazilian Central Bank - 15,736,825 - 15,736,825 Financial Assets Measured at Fair Value Through Profit or Loss Held for Trading 49,462,429 20,608,008 500,228 70,570,665 Debt instruments 47,582,871 19,329 150,395 47,752,595 Equity instruments 1,879,558 85,029 56,023 2,020,610 Derivatives - 20,503,650 93,810 20,797,460 Non-Trading Financial Assets Mandatorily Measured at Fair Value Through Profit or Loss - 420,898 449,264 870,162 Equity instruments - 98,921 378,786 477,707 Loans and advances to customers - 321,977 70,478 392,455 Financial Assets Measured at Fair Value Through Other Comprehensive Income 98,977,403 1,662,779 601,605 101,241,787 Debt instruments 98,975,973 1,649,925 586,702 101,212,600 Equity instruments 1,430 12,854 14,903 29,187 Hedging derivatives (assets) - 342,463 - 342,463 Financial Liabilities Measured at Fair Value Through Profit or Loss Held For Trading - 36,484,135 468,432 36,952,567 Trading derivatives - 23,703,576 468,432 24,172,008 Short positions - 12,780,559 - 12,780,559 Financial Liabilities Measured at Fair Value Through Profit or Loss - 7,459,784 - 7,459,784 Other financial liabilities - 7,459,784 - 7,459,784 Hedging derivatives (liabilities) - 446,973 - 446,973 12/31/2020 Level 2 Level 3 Total Financial Assets Measured At Fair Value Through Profit Or Loss 588,778     57,354,806    2,956,882   60,900,466 Debt instruments 588,778 - 2,956,882 3,545,660 Balances with The Brazilian Central Bank - 57,354,806 - 57,354,806 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 70,139,962 27,508,722 817,548 98,466,232 Debt instruments 68,461,854 11,848 47,097 68,520,799 Equity instruments 1,678,108 128,251 11,917 1,818,276 Derivatives - 27,368,623 758,534 28,127,157 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss - 217,569 282,151 499,720 Equity instruments - 185,790 253,122 438,912 Loans and advances to customers - 31,779 29,029 60,808 Financial Assets Measured At Fair Value Through Other Comprehensive Income 106,456,132 1,987,234 1,297,021 109,740,387 Debt instruments 106,454,645 1,953,504 1,260,065 109,668,214 Equity instruments 1,487 33,730 36,956 72,173 Hedging derivatives (assets) - 743,463 - 743,463 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading - 76,890,170 753,121 77,643,291 Trading derivatives - 31,082,223 753,121 31,835,344 Short positions - 45,807,947 - 45,807,947 Financial Liabilities Measured At Fair Value Through Profit Or Loss - 7,038,467 - 7,038,467 Other Financial Liabilities - 7,038,467 - 7,038,467 Hedging derivatives (liabilities) - 144,594 - 144,594 12/31/2019 Level 2 Level 3 Total Financial Assets Measured At Fair Value Through Profit Or Loss 975,393     28,739,507   2,627,405     32,342,305 Debt instruments 975,393 132,277 2,627,405 3,735,075 Balances with The Brazilian Central Bank - 28,607,230 - 28,607,230 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 35,057,803 21,247,552 715,548 57,020,903 Debt instruments 33,028,333 1,726,441 130,857 34,885,631 Equity instruments 2,029,470 - - 2,029,470 Derivatives - 19,521,111 584,691 20,105,802 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 143,077 627 27,749 171,453 Equity instruments 143,077 627 27,749 171,453 Financial Assets Measured At Fair Value Through Other Comprehensive Income 93,555,527 1,612,741 951,966 96,120,234 Debt instruments 93,531,617 1,612,741 818,569 95,962,927 Equity instruments 23,910 - 133,397 157,307 Hedging derivatives (assets) - 339,932 - 339,932 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading - 45,499,913 564,757 46,064,670 Trading derivatives - 21,664,260 564,757 22,229,017 Short positions - 23,835,653 - 23,835,653 Financial Liabilities Measured At Fair Value Through Profit Or Loss - 3,719,416 1,600,000 5,319,416 Hedging derivatives (liabilities) - 200,961 - 200,961 Movements in fair value of Level 3 The following tables demonstrate the movements during 2021, 2020 and 2019 for the financial assets and liabilities classified as Level 3 in the fair value hierarchy: Fair value hierarchy Fair Value 12/31/2020 Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2021 Financial Assets Measured At Fair Value Through Profit Or Loss 2,956,882 99,401 - (535,470) 2,520,813 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 817,548 (802,760) (36,051) 483,419 462,156 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 282,151 78,853 - 88,260 449,264 Financial Assets Measured At Fair Value Through Other Comprehensive Income 1,297,021 (268,095) - (427,322) 601,604 Financial Liabilities Measured At Fair Value Through Profit Or Loss 753,121 (337,847) (137,963) 156,272 433,583 Fair Value Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2020 Financial Assets Measured At Fair Value Through Profit Or Loss 2,627,405 83,832     (239,512)     485,157 2,956,882 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 715,548 502,596 (231,468)     (169,128) 817,548 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 27,749 100,091 125,282 29,029 282,151 Financial Assets Measured At Fair Value Through Other Comprehensive Income 951,966 (21,677) (197,098) 563,830 1,297,021 Financial Liabilities Measured At Fair Value Through Profit Or Loss 564,757 500,159 (406,971) 95,176 753,121 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading 1,600,000 - - (1,600,000) - Fair Value Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2019 Financial Assets Measured At Fair Value Through Profit Or Loss 510,887 290,773 1,700,499 125,246 2,627,405 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 1,370,270 238,632 (1,031,076) 137,722 715,548 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 154,947 (101,541) - (25,657) 27,749 Financial Assets Measured At Fair Value Through Other Comprehensive Income 709,956 253,803 291 (12,084) 951,966 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading 641,458 190,813 (586,346) 318,832 564,757 Fair value movements linked to credit risk Changes in fair value attributable to changes in credit risk are determined based on changes in the prices of credit default swaps compared to similar obligations of the same obligor when such prices are observable, as these credit default swaps better reflect the market's valuation of the debtors. credit risk for a specific financial asset. When such prices are unobservable, changes in fair value attributable to changes in credit risk are determined as the total amount of changes in fair value not attributable to changes in the benchmark interest rate or other observed market rates. In the absence of specific observable data, this approach provides a reasonable approximation of changes attributable to credit risk, as it estimates the change in margin above the benchmark that the market may demand for the financial asset. Financial assets and liabilities not measured at fair value The financial assets owned by the Bank are measured at fair value in the accompanying consolidated balance sheets, except for loans and receivables. Similarly, the Bank’s financial liabilities except for financial liabilities held for trading and those measured at fair value - are measured at amortized cost in the consolidated balance sheets. i) Financial assets measured at other than fair value Below is a comparison of the carrying amounts of financial assets of the Bank measured by a value other than the fair value and their respective fair values on December 31, 2021, 2020 and 2019: Comparison of the carrying amounts of the Bank's financial assets measured at other than fair value and their respective fair values 12/31/2021 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments - Central Bank of Brazil 16,657,201     16,657,201     16,657,201     -     - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 95,664,754 95,664,754 - 73,308,279 22,356,475 Loans and advances to customers 464,451,587 460,525,749 - 6,044,808 454,480,941 Debt instruments 73,125,011 74,074,095 28,472,612 12,124,154 33,477,329 Total 649,898,553 646,921,799 45,129,813 91,477,241 510,314,745 12/31/2020 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments - Central Bank of Brazil 20,148,725 20,148,725 20,148,725 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 112,849,776 112,849,776 - 59,492,738 53,357,038 Loans and advances to customers 393,707,229 396,878,319 - 4,530,041 392,348,278 Debt instruments 48,367,791 49,963,947 4,425,723 17,486,057 28,052,167 Total 575,073,521 579,840,767 24,574,448 81,508,836 473,757,483 12/31/2019 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments - Central Bank of Brazil 15,249,515 15,249,515 - 15,249,515 - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 109,233,128 109,233,128 - 109,233,128 - Loans and advances to customers 326,699,480 327,278,243 - - 327,278,243 Debt instruments 38,748,296 39,678,192 5,378,791 7,858,612 26,440,789 Total 489,930,419 491,439,078 5,378,791 132,341,255 353,719,032 ii) Financial liabilities measured at other than fair value Following is a comparison of the carrying amounts of Bank´s financial liabilities measured by a value other than fair value and their respective fair values on December 31, 2021, 2020 and 2019: During 2020, The Bank reclassified R$ 73,075,341 390,760,088 Comparison of the carrying amounts of the Bank's financial liabilities measured at other than fair value and their respective fair values 12/31/2021 Liabilities Accounting Value Fair Value Level 1 Level 2 Level 3 Financial Liabilities at Measured Amortized Cost: Deposits of Brazil's Central Bank and deposits of credit institutions 121,005,909     121,005,909     -     26,200,162     94,805,747 Customer deposits 468,961,069 468,960,950 - 60,911,279 408,049,671 Marketable debt securities 79,036,792 79,035,644 - - 79,035,644 Subordinated Debt - - - - - Debt instruments Eligible Capital 19,641,408 19,641,408 - - 19,641,408 Other financial liabilities 61,448,516 61,448,516 - - 61,448,516 Other financial liabilities 750,093,694 750,092,427 - 87,111,441 662,980,986 12/31/2020 Liabilities Accounting Value Fair Value Level 1 Level 2 Level 3 Financial Liabilities at Measured Amortized Cost: Deposits of Brazil's Central Bank and deposits of credit institutions 131,656,962 131,654,431 - 58,579,090 73,075,341 Customer deposits 445,813,972 445,856,090 - 55,096,002 390,760,088 Marketable debt securities 56,875,514 57,265,307 - - 57,265,307 Subordinated Debt - - - - - Debt instruments Eligible Capital 13,119,660 13,119,660 - - 13,119,660 Other financial liabilities 59,822,683 59,822,683 - - 59,822,683 Other financial liabilities 707,288,791 707,718,171 - 113,675,092 594,043,080 12/31/2019 Liabilities Accounting Value Fair Value Level 1 Level 2 Level 3 Financial Liabilities at Measured Amortized Cost: Deposits of Brazil's Central Bank and deposits of credit institutions 99,271,415 99,271,415 - 99,271,415 - Customer deposits 336,514,597 336,593,455 - 336,593,455 - Marketable debt securities 73,702,474 73,889,348 - 10,205,065 63,684,284 Subordinated Debt 10,175,961 10,175,961 - 10,175,961 - Other financial liabilities 55,565,954 55,565,954 - - 55,565,954 Other financial liabilities 575,230,401 575,496,132 - 456,245,896 119,250,238 The methods and assumptions used to estimate the fair values summarized in the tables above are set forth below: - Loans and amounts due from credit institutions and from clients - Deposits from Bacen and credit institutions and Client deposits Bonds and securities Debt Instruments Eligible for Capital The valuation techniques used to estimate each level are defined in note 2.e. Management revised the criteria assigned to classify the fair value level of assets and liabilities measured at amortized cost, presented exclusively for disclosure purposes, and concluded that they are better classified as level 3 in light of observable market data.

Operational Ratios

Operational Ratios	12 Months Ended
	Dec. 31, 2021
Operational Ratios
Operational Ratios	30. Operational Ratios Bacen determines that financial institutions maintain a Reference Equity (PR), Tier I Equity and Core Capital compatible with the risks of their activities, higher than the minimum requirement of the Required Reference Equity, represented by the sum of the credit risk, market and operational risk. As established in CMN Resolutions No. 4,193/2013 and No. 4,783/2020, until September 2021 the PR requirement was 10.625%, including 8.00% of Minimum Reference Equity plus 1.625% of Additional for Capital Conservation and 1 .00% Systemic Additional. Tier I PR was 8.625% and Minimum Principal Capital was 7.125%. In October 2021, the Additional for Capital Conservation increased to 2.00%. Thus, in December the PR requirement is 11.00%. It is considered 8.00% of Minimum Reference Equity plus 2.00% of Additional for Capital Conservation and 1.00% of Additional Systemic, with the requirement of Tier I PR of 9.00% and of Core Capital Minimum of 7.50%. As of April 2022, the PR requirement will reach 11.50%, considering 8.00% of Minimum Reference Equity plus 2.50% of Capital Conservation Additional and 1.00% of Systemic Additional, with requirement Tier I PR and Minimum Principal Capital of 9.50% and 8.00%, respectively. Continuing the adoption of the rules established by CMN Resolution No. 4,192/2013, as of January 2015, the Prudential Consolidated, defined by CMN Resolution No. 4,280/2013, came into force. The Basel index is calculated in accordance with the Financial Statements of the Prudential Conglomerate prepared in accordance with accounting practices adopted in Brazil, applicable to institutions authorized to operate by Bacen, as shown below: Financial Conglomerate BASEL INDEX % dec-21 dec-20 dec-19 Tier I Regulatory Capital 76,969.9 77,571.5 66,481.7 Principal Capital 69,919.9 71,006.3 61,389.5 Supplementary Capital 7,050.1 6,565.2 5,092.2 Tier II Regulatory Capital 12,591.3 6,554.5 5,083.8 Regulatory Capital (Tier I and II) 89,561.3 84,126.0 71,565.5 Credit Risk 527,119.3 478,303.5 407,786.2 Market Risk 15,122.2 15,846.3 20,235.2 Operational Risk 58,499.8 57,419.4 47,965.5 Total RWA 600,741.3 551,569.2 475,986.9 Basel I Ratio 12.81 14.06 13.97 Basel Principal Capital 11.64 12.87 12.90 Basel Regulatory Capital 14.91 15.25 15.04 (1) Exposures to credit risk subject to the calculation of the capital requirement using a standardized approach (RWACPAD) are based on the procedures established by Circular Bacen 3,644, dated March 4, 2013 and its subsequent complements through the wording of Circular Bacen 3,174 of August 20, 2014 and Bacen Circular 3,770 of October 29, 2015. (2) Includes portions for market risk exposures subject to variations in rates of foreign currency coupons (RWAjur2), price indexes (RWAjur3) and interest rate (RWAjur1/RWAjur4), the price of commodities (RWAcom), the price of shares classified as trading portfolios (RWAacs), and portions for gold exposure and foreign currency transactions subject to foreign exchange (RWAcam). (3) Risk Weighted Assets. Banco Santander, quarterly discloses Pillar III information relating to risk management, Regulatory Capital and Risk Weighted Assets. A report with further details of the structure and methodology will be disclosed on the website www.ri.santander.com.br/ri. Financial institutions are required to maintain investments in permanent assets compatible with adjusted regulatory capital. Funds invested in permanent assets, calculated on a consolidated basis, are limited to 50% of adjusted regulatory capital, as per prevailing regulation. Banco Santander classifies for said index. The Bank is following the requirements aforementioned.

Interest and similar income

Interest and similar income	12 Months Ended
	Dec. 31, 2021
Interest and similar income	31. Interest and similar income Interest and similar income in the consolidated income statement consists of interest accrued in the year on all financial assets with implicit or explicit return, calculated using the effective interest method, regardless of the fair value measurement, and the result as a result of hedge accounting. Interest is recognized on a gross basis, without deducting taxes withheld at source. The breakdown of the main items of interest and similar charges accrued in 2021, 2020 and 2019 is as follows: Thousand of reais 2021 2020 2019 Cash and balances with the Brazilian Central Bank 2,581,083 1,552,121 3,827,648 Loans and advances - Credit institutions 5,190,799 1,518,557 3,843,798 Loans and advances - Customers 49,537,564 44,103,997 50,406,078 Debt instruments 19,041,947 13,556,403 13,528,096 Pension Plans 19,613 16,720 27,353 Other interest 1,616,302 2,027,142 1,208,087 Total 77,987,308 62,774,940 72,841,060

Interest expense and similar ch

Interest expense and similar charges	12 Months Ended
	Dec. 31, 2021
Interest expense and similar charges	32. Interest expense and similar charges "Interest and similar expenses" in the consolidated income statement consist of interest accrued in the year on all financial liabilities with implicit or explicit return, including remuneration in kind, calculated using the effective interest method, regardless of the measurement of the fair value, cost adjustments as a result of hedge accounting and interest costs attributed to pension funds. The breakdown of the main items of interest and similar charges accrued in 2021, 2020 and 2019 is as follows Thousand of reais 2021 2020 2019 Credit institutions deposits 4,712,388 4,327,276 4,866,357 Customer deposits 13,187,967 7,504,276 14,965,958 Marketable debt securities and subordinated liabilities: Marketable debt securities (note 18) 4,536,849 2,785,942 5,138,306 Debt Instruments Eligible to Compose Capital (note 19) 955,199 909,393 503,541 Pension Plans 248,312 301,389 342,068 Other interest (1) 3,028,127 2,503,953 2,703,723 Total 26,668,842 18,332,228 28,519,953 (1) It is mainly composed of Expenses with Interest on Repo Agreements

Income from equity instruments

Income from equity instruments	12 Months Ended
	Dec. 31, 2021
Income From Equity Instruments
Income from equity instruments	33. Income from equity instruments “Income from equity instruments” includes the dividends and payments on equity instruments out of profits generated by investees after the acquisition of the equity interest. The breakdown of the balance of this item is as follows: Breakdown of the balance of this item Thousand of reais 2021 2020 2019 Equity instruments classified as: Financial Assets Measured At Fair Value Through Profit Or Loss 89,563 30,232 13,398 Financial Assets Measured At Fair Value Through Other Comprehensive Income 477 3,522 5,535 Total 90,040 33,754 18,933

Fee and commission income

Fee and commission income	12 Months Ended
	Dec. 31, 2021
Fee And Commission Income
Fee and commission income	34. Fee and commission income The heading “Fee and commission income” comprises the amount of all fees and commissions accruing in favor of the Bank in the year, except those that form an integral part of the effective interest rate on financial instruments. The breakdown of the balance of this item is as follows Thousand of reais 2021 2020 2019 Collection and payment services: Bills 1,163,616 1,083,262 1,143,229 Demand accounts 2,664,586 2,425,416 2,554,559 Cards (Credit and Debit) and Acquiring Services 5,338,649 6,009,780 6,620,708 Checks and other 127,509 138,483 188,249 Orders 695,293 856,723 720,521 Total 9,989,653 10,513,664 11,227,266 Marketing of non-Banking financial products: Investment funds 731,817 450,940 725,494 Insurance 3,566,596 3,134,723 3,120,471 Capitalization plans 711,351 634,775 829,852 Total 5,009,764 4,220,438 4,675,817 Securities services: Securities underwriting and placement 935,464 695,978 721,793 Securities trading 318,590 281,686 186,847 Administration and custody 647,054 495,457 401,310 Asset management 987 1,144 2,291 Total 1,902,095 1,474,265 1,312,241 Other: Foreign exchange 1,512,326 1,450,636 968,270 Financial guarantees 838,790 728,232 650,241 Other fees and commissions 1,135,461 2,219,472 1,558,623 Total 3,486,577 4,398,340 3,177,134 Total 20,388,089 20,606,707 20,392,458

Fee and commission expense

Fee and commission expense	12 Months Ended
	Dec. 31, 2021
Fee And Commission Expense
Fee and commission expense	35. Fee and commission expense Fee and commission expense” shows the amount of all fees and commissions paid or payable in the year, except those that form an integral part of the effective interest rate on financial instruments. The breakdown of the balance of this item is as follows: Amount of all fees and commissions paid or payable in the year Thousand of reais 2021 2020 2019 Commissions assigned to third parties (1) 2,743,339 2,685,005 3,639,239 Other fees and commissions 2,371,449 1,693,488 1,040,066 Total 5,114,788 4,378,493 4,679,306 (1) Composed, mainly, by credit cards.

Gains or losses on financial as

Gains or losses on financial assets and liabilities	12 Months Ended
	Dec. 31, 2021
Gains Or Losses On Financial Assets And Liabilities
Gains or losses on financial assets and liabilities	36. Gains or losses on financial assets and liabilities Gains (losses) on financial assets and liabilities (net) includes the amount of the valuation adjustments of financial instruments, except those attributable to interest accrued as a result of application of the effective interest method and to allowances, and the gains or losses derived from the sale and purchase thereof. The breakdown of the balance of this item, by type of instrument, is as follows: The breakdown of the balance of this item, by type of instrument, is as follows: Thousand of reais 2021 2020 2019 Financial Assets Measured At Fair Value Through Profit Or Loss 1,555,837 711,949 252,253 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading (1) 3,519,626 12,122,794 2,391,080 Non-Tranding Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 205,016 172,828 11,501 Financial Assets Not Measured At Fair Value Through Profit Or Loss (665,853) (239,054) (57,522) Financial Assets available-for-sale Debt instruments (432,510) (207,011) (46,136) Equity instruments (233,344) (32,043) (11,386) Financial Assets Measured At Fair Value Through Other Comprehensive Income Gains or losses from hedge accounting, net (4,392,844) 229,543 (134,767) Total 221,782 12,998,060 2,462,545 (1) Includes the exchange hedge of the Bank’s interest in Cayman (note 23).

Exchange differences (net)

Exchange differences (net)	12 Months Ended
	Dec. 31, 2021
Exchange Differences
Exchange differences (net)	37. Exchange differences (net) Exchange differences" demonstrate the gains or losses on foreign currency transactions, the differences that arise on translations of monetary items in foreign currencies to the functional currency, and those disclosed on non-monetary assets in foreign currency at the time of their disposal. Thousand of Reais 2021 2020 2019 Revenue with Exchange variations 196,480,319 78,578,786 23,622,963 Expenses with Exchange Variations (198,482,605) (103,279,748) (26,411,500) Total (2,002,286) (24,700,962) (2,788,537)

Other operating income and expe

Other operating income and expenses	12 Months Ended
	Dec. 31, 2021
Other Operating Income And Expenses
Other operating income and expenses	38. Other operating income and expenses T he breakdown of "Other operating income (expense)" is as follows: Thousand of reais 2021 2020 2019 Other operating income 914,084 792,639 591,125 Other operating expense (1,559,663) (1,237,133) (1,351,568) Contributions to fund guarantee of credit - FGC (473,801) (428,016) (347,276) Total (1,119,380) (872,510) (1,107,719)

Personnel expenses

Personnel expenses	12 Months Ended
	Dec. 31, 2021
Personnel expenses	39. Personnel expenses a) Breakdown The breakdown of “Personnel expenses” is as follows: Thousand of reais 2021 2020 2019 Wages and salaries 5,905,394 5,730,779 5,876,328 Social security costs 1,153,164 1,222,352 1,276,620 Benefits 1,434,815 1,390,044 1,491,485 Defined benefit pension plans (note 22) 6,415 6,892 10,917 Contributions to defined contribution pension plans 152,156 117,216 131,885 Share-based compensation 24,045 19,348 88,248 Training 54,858 49,037 66,215 Other personnel expenses 294,855 335,814 386,016 Total 9,025,702 8,871,482 9,327,714 b) Share-Based Compensation Banco Santander has long-terms compensation plans linked to the market price of the shares. The members of the Executive Board of Banco Santander are eligible for these plans, as well as other members selected by the Board of Directors, whose selection will take into account seniority of the group. For the Board of Directors members in order to be eligible, it is necessary to exercise Executive Board functions. These amounts are recorded under Other liabilities (Note 24) and personnel expenses (Note 39.a). b.1) Local and Global Program 01/01 to 12/31/2021 01/01 to 12/31/2020 Program Settlement Type Vesting Period Period of Exercise 01/2019 to 12/2021 2022 and 2023 R$ 4,216,667 (*) R$ 4,916,667 01/2020 to 12/2022 2023 R$ 3,668,000 (*) R$  - 01/2020 to 12/2022 2023 and 2024 R$ 2,986,667 (*) R$ 9,440,000 01/2021 to 09/2024 2024 R$ 13,520,000 (*) R$ - 01/2021 to 12/2023 2023 R$ 1,834,000 (*) R$ - Local Santander Brasil Bank Shares 07/2019 to 06/2022 2022 111,962 SANB11 109,677 SANB11 09/2020 to 09/2022 2022 301,583 SANB11 450,738 SANB11 01/2020 to 09/2023 2023 249,666 SANB11 281,031 SANB11 01/2021 to 12/2022 2023 177,252 SANB11 - SANB11 01/2021 to 12/2023 2024 327,065 SANB11 - SANB11 01/2021 to 01/2024 2024 30,545 SANB11 - SANB11 01/2020 to 12/2022 2023 309,576 SAN (**) 318,478 SAN (**) Global Santander Spain Shares and Options 01/2020 to 12/2022 2023, with limit for options' exercise until 2030 1,618,445 Options s/ SAN (**) 1,664,983 Options s/ SAN (**) 01/2021 to 12/2023 02/2024 135,632 SAN (**) - 01/2021 to 12/2023 02/2024, with limit for options' exercise until 02/2029 404,630 Options s/ SAN (**) - R$ 26,225,334 (*) R$ 14,356,667 (*) Balance of Plans on December 31, 2021 1,198,073 SANB11 841,446 SANB11 445,208 SAN 318,478 SAN 2,023,075 Options s/ SAN 1,664,983 Options s/ SAN (*) Plan target in Reais, to be converted into SANB11 shares according to the achievement of the plan's performance indicators at the end of the vesting period, based on the quotation of the last 15 trading sessions of the month immediately preceding the grant. (**) Target of the plan in SAN shares and options, to be paid in cash at the end of the vesting period, according to the achievement of the plan's performance indicators. Our long-term programs are divided into Local and Global plans, with specific performance indicators and condition of maintaining the participant's employment relationship until the payment date in order to be entitled to receive. The calculation of payment for the plans is based on the percentage of achievement of the indicators applied to the reference value (target), with the Local plans being paid in SANB11 units and the Global plans in shares and options of Grupo Santander (SAN). Each participant has a reference value defined in cash, converted into SANB11 units or into shares and options of Grupo Santander (SAN), normally based on the quotation of the last 15 trading sessions of the month immediately preceding the granting of each plan. At the end of the vesting period, the payment of either the resulting shares in the case of local plans, or the cash value corresponding to the shares/options of the global plans, is made with a 1-year restriction, and this payment is still subject to the application of the Malus clauses /Clawback, which may reduce or cancel the shares to be delivered in cases of non-compliance with internal rules and exposure to excessive Impact on Income The impacts on the result are recorded in the Personnel Expenses item, as follows: Consolidated 01/01 to 01/01 to Program Settlement Type Local Santander Actions (Brazil) 20,720 10,776 Global Santander Spain shares and stock options 3,534 846 b.2) Variable Remuneration based in shares The long-term incentive plan (deferral) sets forth the requirements for payment of future deferred installments of variable remuneration, considering the long-term sustainable financial bases, including the possibility of applying reductions or cancellations due to the risks assumed and fluctuations the cost of capital. The variable remuneration plan with payment referenced in Banco Santander shares is divided into 2 programs: (i) Identified Collective and (ii) Other Employees. The impacts on the result are accounted for under Personnel Expenses, as follows: Variable Remuneration Referenced to Shares Program Participant Liquidity Type 01/01 to 12/31/2021 01/01 to 12/31/2020 Collective Identified Members of the Executive Committee, Statutory Officers and other executives who assume significant and responsible risks of control areas 50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11) 63,658 103,696 Other Employees Superintendence level employees and other employees with variable remuneration above a minimum amount established 50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11) 111,995 98,069

Other general administrative ex

Other general administrative expenses	12 Months Ended
	Dec. 31, 2021
Other general administrative expenses	40. Other general administrative expenses a) Breakdown The detail of other general administrative expenses is as follows: Breakdown - Other administrative expenses Thousand of reais 2021 2020 2019 Genreal maintenance expenses 889,077 743,580 748,196 Technology maintenance expenses 2,474,348 2,355,310 2,058,619 Advertising 621,425 654,175 712,855 Communications 353,271 648,856 472,873 Per diems and travel expenses 71,840 68,922 140,016 Taxes other than income tax 202,440 280,098 112,012 Surveillance and cash courier services 597,946 594,953 630,585 Insurance premiums 22,374 16,620 34,778 Specialized and technical services 2,184,139 2,171,460 2,172,567 Technical reports 355,343 319,814 360,990 Others specialized and technical services 1,828,795 1,851,646 1,811,577 Other administrative expenses (1) 873,857 709,504 531,311 Total 8,290,717 8,243,479 7,613,812 (1) In December 31, 2021, includes mainly Data Processing Expenses in the balance of R$160,716 (2020 – R$176,105 and 2019 - R$67,724), Service Expenses in the balance of R$51,689 (2020 - revenue of R$27,751 and 2019 - R$87,199), Expenses with Benefit Guarantor Fund - FGB R$3,864 (2020 – R$8,478 and 2019 - R$34,996) and Recovery of Charges and Expenses R$378,604 (2020 – R$ 212,850 and 2019 – R$92,408). b) Other information The balance of “Technical reports” includes the fees paid by the consolidated companies to their respective auditors, the detail are as follows: Balance of Technical reports Millions of Reais 2021 2020 2019 Audit of the annual financial statements of the companies audited by external audit (constant scope of consolidation) 26.3 24.0 25.2 Audit Related 0.2 0.4 0.1 Others 0.4 0.0 0.3 Total 26.9 24.4 25.6 The approximate value of taxes according to law 12,741/2012 totaled R$ 1.9 million 1.5 million 3.6 million

Gains or losses on non-financia

Gains or losses on non-financial assets and investments, net	12 Months Ended
	Dec. 31, 2021
Gains Or Losses On Non-financial Assets And Investments Net
Gains or losses on non-financial assets and investments, net	41. Gains or losses on non-financial assets and investments, net The breakdown of the balance of this item is as follows: Gains (losses) on disposal of assets not classified as non-current assets held for sale the breakdown of the balance Thousand of reais 2021 2020 2019 Gains 45,780 285,335 55,709 Tangible and intangible assets 45,780 36,778 55,709 Investments - 248,557 - Losses (60,893) (54,622) (45,063) Tangible and intangible assets (32,863) (14,517) (45,063) Investments (28,030) (40,105) - Total (15,113) 230,713 10,646

Gains (losses) on disposal and

Gains (losses) on disposal and expenses of non-current assets held for sale not classified as discontinued operations	12 Months Ended
	Dec. 31, 2021
Gains Losses On Disposal And Expenses Of Non-current Assets Held For Sale Not Classified As Discontinued Operations
Gains (losses) on disposal and expenses of non-current assets held for sale not classified as discontinued operations	42. Gains (losses) on disposal and expenses of non-current assets held for sale not classified as discontinued operations As of December 31, 2021, revenue of R$ 48 million 101 million 77 24 49 16 million 34 million

Other disclosures

Other disclosures	12 Months Ended
	Dec. 31, 2021
Other Disclosures
Other disclosures	43. Other disclosures a) Guarantees and commitments The Bank provides a variety of guarantees to its clients to improve their credit standing and allow them to compete the following table summarizes at December 31, 2021, 2020 and 2019 As required, the “maximum potential amount of future payments” represents the notional amounts that could be considered as a loss if there were a total default by the guaranteed parties, without consideration of possible recoveries from collateral held or pledged, or recoveries under recourse provisions. There is no relationship between these amounts and probable losses on these guarantees. In fact, "maximum potential amount of future payments" significantly exceeds inherent losses. Maximum potential amount of future payments Thousand of reais 2021 2020 2019 Maximum potential amount of future payments Contingent liabilities Guarantees and other sureties 49,391,839 45,930,486 41,870,332 Financial guarantees 33,192,559 32,477,336 29,397,344 Performance guarantees 1,167,603 989,979 1,009,367 Financial letters of credit 14,990,887 12,407,888 11,387,788 Other 40,790 55,283 75,833 Other contingent exposures 4,028,516 2,351,530 2,442,235 Documentary Credits 4,028,516 2,351,530 2,442,235 Total Contingent Liabilities 53,420,355 48,282,016 44,312,567 Commitments Loan commitments drawable by third parties (1) 145,958,258 131,706,433 125,876,671 Total Commitments 145,958,258 131,706,433 125,876,671 Total 199,378,613 179,988,449 170,189,238 (1) Includes the approved limits and unused overdraft, credit card and others. Financial guarantees are provided to Bank´s clients in respect of their obligations to third parties. The Bank has the right to seek reimbursement from the clients for any amount it shall have to pay under such guarantee. Additionally, the Bank may hold cash or other highly liquid collateral for these guarantees. These guarantees are subject to the same credit evaluation performed on the origination of loans. The Bank´s expectation is that many of these guarantees to expire without the need of cash disbursement in advance. Therefore, in the ordinary course of business, the Bank expects that these guarantees will have virtually no impact on its liquidity. Performance guarantees are issued to guaranteed clients obligations such as to make contractually specified investments, to supply specified products, commodities, or maintenance or warranty services to a third party, completion of projects in accordance with contract terms, etc. Financial standby letters of credit include guarantees of payment of loans, credit facilities, promissory notes and trade acceptances. The Bank always requires collateral to grant this kind of financial guarantees. In Documentary Credits, the Bank acts as a payment intermediary between trading companies located in different countries (import-export transactions). Under a documentary credit transaction, the parties involved deal with the documents rather than the commodities to which the documents may relate. Usually the traded commodities are used as collateral to the transaction and the Bank may provide some credit facilities. Loan commitments draw able by third parties include mostly credit card lines and commercial commitments. Credit card lines are unconditionally cancelable by the issuer. Commercial commitments are mostly 1-year facilities subject to information requirements to be provided by Banks´s clients. The risk criteria followed to issue all kinds of guarantees, financial standby letters of credit, documentary credits and any risks of signature are in general the same as those used for other products of credit risk, and therefore subject to the same admission and monitoring standards. The guarantees granted on behalf of Bank´s clients are subject to the same credit quality review process as any other risk product. On a regular basis, at least once a year, the solvency of the mentioned clients is checked as well as the probability of those guarantees to be executed. In case that any doubt on the client’s solvency may arise, we create allowances with charge to net income, by the amount of the inherent losses even if there is no claim to us. The provision for losses on the non-recovery guarantees and other securities (Note 9.c) is recorded as "Impairment losses on financial assets (net)” on consolidated income statement and its calculation is described in note 2.i. Additionally, the liability recognized as deferred revenue for the premium received for providing the above guarantees, which is being amortized into income over the life of the related guarantees is R$ 382,255 356,226 285,218 b) Off-balance funds under management Banco Santander has under its management investment funds for which it does not hold any substantial participation interests and does not act as principal over the funds, and it does not own any shares of such funds. Based on the contractual relationship governing the management of such funds, third parties who hold the participation interests in such funds are those who are exposed to, or have rights, to variable returns and have the ability to affect those returns through power over the fund. Moreover, though Santander Brasil acts as fund manager, in analyzing the fund manager’s remuneration regime, the remuneration regime is proportionate to the service rendered, and therefore does not create exposure of such importance to indicate that the fund manager is acting as the principal (Note 2.v). The funds managed by Banco Santander not recorded in the balance sheet are as follows: Thousand of reais 2021 2020 2019 Funds under management 2,770,684 2,716,477 2,034,999 Managed Funds 192,927,475 191,873,169 230,199,261 Total 195,698,159 194,589,646 232,234,260 c) Third-party securities held in custody On December 31, 2021 37,998,502 35,519,498 27,283,548 d) Residual maturity The breakdown, by maturity, of the balances of certain items in the consolidated balance sheets is as follows: 2021 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Assets: Cash and balances with the Brazilian Central Bank 15,430,680 1,226,521 - - - - 16,657,201 Debt instruments 1,612,213 119,780,229 20,352,554 5,834,524 38,904,369 38,728,334 225,212,223 Equity instruments - - - - - 2,527,504 2,527,504 Loans and amounts due from credit institutions 80,355,763 2,717,359 1,748,733 10,827,639 15,057 203 95,664,754 Loans and advances to customer 70,399,332 82,203,458 84,986,074 152,608,938 31,902,231 42,744,009 464,844,042 Derivatives - 8,667,809 2,836,098 1,645,538 5,989,792 2,000,686 21,139,923 Total 167,797,988 214,595,376 109,923,459 170,916,639 76,811,449 86,000,736 826,045,647 2021 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) 10,052,363     60,636,478     39,748,331     6,681,493     1,656,909     2,230,335     121,005,909 Customer deposits (1) 86,051,583 79,687,549 56,178,087 163,641,875 83,326,774 75,201 468,961,069 Marketable debt securities (1) - 28,052,200 5,038,906 35,844,265 9,341,229 760,192 79,036,792 Debt Instruments Eligible to Compose Capital - 5,552,801 - 14,088,607 - - 19,641,408 Other financial liabilities 3,935,498 10,732,613 19,132,399 35,107,790 - - 68,908,300 Short positions - 12,780,559 - - - - 12,780,559 Derivatives 641,571 7,239,697 2,503,888 9,117,265 3,773,251 1,343,309 24,618,981 Total 100,681,015 204,681,897 122,601,611 264,481,295 98,098,163 4,409,037 794,953,018 Difference (assets less liabilities) 67,116,973 9,913,479 (12,678,152) (93,564,656) (21,286,714) 81,591,699 31,092,629 2020 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Assets: Cash and balances with the Brazilian Central Bank 7,373,662 12,775,063 - - - - 20,148,725 Debt instruments 432,579 13,195,527 33,903,698 64,225,680 70,182,705 48,162,275 230,102,464 Equity instruments - - - - - 2,329,361 2,329,361 Loans and amounts due from credit institutions 57,722,384 2,777,562 36,783,150 15,155,444 363,135 48,101 112,849,776 Loans and advances to customer 29,385,631 80,281,579 93,750,065 98,550,271 47,160,700 44,639,790 393,768,036 Derivatives - 14,558,434 1,994,418 4,103,735 1,869,509 3,721,418 26,247,514 Total 94,914,256 123,588,165 166,431,331 182,035,130 119,576,049 98,900,945 785,445,876 Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) - 83,922,876 43,315,412 3,764,159 - 654,516 131,656,962 Customer deposits (1) 85,433,287 139,191,140 121,804,752 62,768,886 36,578,335 37,572 445,813,972 Marketable debt securities (1) - 8,815,410 18,736,230 28,158,133 747,340 418,401 56,875,514 Debt Instruments Eligible to Compose Capital - 220,425 - 12,899,235 - - 13,119,660 Other financial liabilities 23,352 21,858,532 20,730,398 17,203,162 4,787 2,452 59,822,683 Short positions - 45,807,946 - - - - 45,807,946 Derivatives - 2,046,924 1,973,701 5,387,607 7,744,145 12,204,455 29,356,832 Total 85,456,639 301,863,252 206,560,493 130,181,182 45,074,607 13,317,396 782,453,569 Difference (assets less liabilities) 9,457,617     (178,275,087)     (40,129,162)     51,853,948     74,501,441     85,583,548     2,992,307 2019 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Assets: Cash and balances with the Brazilian Central Bank 6,549,535 13,577,829 - - - - 20,127,364 Debt instruments 7,747,516 1,174,094 22,926,088 45,058,398 35,118,355 61,307,478 173,331,929 Equity instruments - - - - - 2,358,229 2,358,229 Loans and amounts due from credit institutions 69,135,371 1,943,291 21,064,571 14,525,161 2,411,265 153,469 109,233,128 Loans and advances to customer 9,451,762 84,839,695 43,180,508 89,624,089 34,092,967 65,510,459 326,699,480 Derivatives 6,806,370 1,893,308 2,649,730 1,921,248 1,950,678 3,599,566 18,820,900 Total 99,690,554 103,428,217 89,820,897 151,128,896 73,573,264 132,929,201 650,571,030 Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) 390,626 16,584,181 49,097,816 25,655,631 4,877,076 2,666,086 99,271,415 Customer deposits (1) 69,048,756 130,872,214 76,244,908 43,395,748 16,923,318 29,654 336,514,597 Marketable debt securities (1) - 10,675,356 695,071 37,268,809 3,900,484 21,162,755 73,702,474 Debt Instruments Eligible to Compose Capital - 170,939 - 10,005,022 - - 10,175,961 Other financial liabilities 10,334 24,360,724 14,509,911 16,678,725 4,717 1,543 55,565,954 Financial liabilities held for trading: Short positions - 4,748,545 1,554,274 1,256,416 3,747,700 12,528,718 23,835,653 Derivatives 6,776,746 4,345,286 406,383 3,071,989 2,502,040 3,702,699 20,805,143 Total 76,226,462 191,757,244 142,508,362 137,332,340 31,955,334 40,091,454 621,496,030 Difference (assets less liabilities) 23,464,093 (88,329,028) (52,687,465) 13,796,556 41,617,931 92,837,747 30,699,834 (1) Includes obligations which may be subject to early payment, being: demand and time deposits, repurchase agreements with clients, LCI and LCA. e) Equivalent value in Reais of assets and liabilities The main foreign currency balances in the consolidated financial statements, based on the nature of the related items, are as follows: Equivalent Value in Thousand of Reais 2021 2020 2019 Assets Liabilities Assets Liabilities Assets Liabilities Cash and reserves at the Central Bank of Brazil 10,851,016 - 15,835,124 - 15,359,225 - Financial ssets/liabilities measured at fair value through profit or loss held for trading 2,587,588 21,784,041 27,012,315 7,867,168 3,349,879 3,210,360 Financial assets measured at fair value through other comprehensive income 17,102,273 - 17,062,156 - 20,386,034 - Financial assets/liabilities measured at amortized cost 70,283,097 86,184,330 52,002,476 118,142,613 68,996,884 44,140,284 Total 100,823,974 107,968,371 111,912,070 126,009,781 108,092,022 47,350,644 f) Other Obligations The Banco Santander rents properties, mainly used for branches, based on a standard contract which may be cancelled at its own criterion and includes the right to opt for renewals and adjustment clauses. The leases are classified as operating leases. The total of the future minimum payments of non-cancellable operating leases is shown below: 2021 2020 2019 Up to 1 Year 715,576 670,619 651,207 Between1 to 5 Years 1,420,853 1,607,995 1,492,289 More than 5 Years 181,417 171,420 147,125 Total 2,317,846 2,450,034 2,290,621 Additionally, Banco Santander has contracts for a matures indeterminate, totaling R$ 801 880 and 2019 - R$ 918 369,482 358,656 and 2019 R$ 700,958 Monthly rental contracts will be adjusted on an annual basis, as per prevailing legislation, at Índice Geral de Preços do Mercado (IGPM) variation. The lessee is entitled to unilaterally rescind the agreement, at any time, as contractual clauses and legislation. g) Contingent assets On December 31, 2021, 2020 and 2019 h) COVID- 19 Since the Pandemic in 2000, the Bank has monitored its effects on the quality of the credit portfolio and the beginning of the continuity of its results. Strategic initiatives were implemented in a timely manner, sufficient to mitigate the impacts against the scenario of increased default events due to the pandemic. Management procedures were structured in line with the guidelines and measures of the Federal Government through the National Monetary Council and the Central Bank of Brazil to mitigate the impacts caused by COVID-19, such as: (a) measures to facilitate the renegotiations of the credit operations without increasing provisions, (b) reduction of capital requirements, in order to expand the granting of credit by the Financial System and (c) reduction of compulsory reserve rates, to improve liquidity conditions. The Bank, awareness of its responsibilities, availability of changes, changes in classification, availability of new products, reinforced credit in segments and more impacts and preventive recovery and collection actions. These actions carried out as a result of alerts were identified by the constant monitoring of the portfolio. The operations benefiting from amendments made, in general, had a grace period of 60 days with the possibility of extending it for another month for individual customers. In the case of legal entities, extensions were granted with a grace period of up to 6 months in line with the BNDES (National Bank for Economic and Social Development). These measures made it possible to extend operations in good standing, with temporary criteria for classifying problem assets and restructurings, as well as allowing the maintenance of the classifications of credit operations, extended until December 2020. During the period of extensions, the actions adopted by the Bank benefited 1,728,197 customers, R$40,592 million in extended credit, equivalent to 9.72% of the total credit portfolio for the year. Of the total extensions that expired on December 31, 2020 of R$37,538 million, R$28,348 million were in stage 1, R$6,608 million were in stage 2 and R$2,567 million were in stage 3. In order to face the scenario of uncertainty and increase in delinquency, in 2020 the Bank constituted an additional provision in the amount of R$3,200,000. This provision was calculated based on the analysis of potential macroeconomic effects and considered quantitative and qualitative indicators, as well as the identification of risks and a collective assessment of exposures. Throughout 2021, follow-ups were carried out until the end of grace periods and extension actions with the resumption of operations added to the standard model of credit management adopted by the bank. In this sense, the macroeconomic scenarios were updated in the process of measuring credit risk provisions, as well as identifying the credit portfolios impacted by the pandemic, using the total balance of additional provisions constituted in 2020 to absorb the need to increase expected losses from credit. To estimate the expected loss, Santander Brasil uses prospective information. Three macroeconomic scenarios are considered, being Base, Pessimistic and Optimistic scenarios. For the elaboration of the methodology, the 5-year evolution of the following main macroeconomic indicators was considered: Prospectus for loss estimation Pessimistic Scenarios Base Scenarios Optimistic Scenarios Variables 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Interest rate 7.3% 14.3% 13.0% 13.0% 13.0% 7.3% 7.3% 6.5% 6.5% 6.5% 7.3% 5.5% 5.5% 4.0% 4.0% Unemployment 14.4% 16.3% 18.2% 18.5% 18.2% 14.4% 13.8% 12.9% 12.1% 11.3% 14.4% 11.4% 9.1% 8.5% 7.9% Housing Prices 9.0% 2.2% 2.2% 2.1% 2.0% 9.0% 9.2% 9.0% 8.6% 8.3% 9.0% 13.8% 13.4% 12.9% 12.5% GDP growth 5.6% -3.5% -2.0% 0.2% 0.2% 5.6% 2.7% 2.2% 2.0% 2.0% 5.6% 6.5% 4.0% 4.0% 4.0% Income Commitment 31.7% 38.2% 38.9% 39.1% 38.9% 31.7% 32.7% 34.6% 35.1% 35.6% 31.7% 29.1% 29.2% 29.3% 29.1% In the process of estimating the expected loss, a weight is assigned to each scenario, with greater relevance being attributed to the base scenario (80%), while lower weights are attributed to the pessimistic (10%) and optimistic (10%) scenarios . The weights assigned to the scenarios in the last 3 years are as follows: Macroeconomic scenario Ponderations 2021 2020 2019 Pessimistic Scenarios 10% 10% 10% Base Scenarios 80% 80% 80% Optimistic Scenarios 10% 10% 10%

Business segment reporting

Business segment reporting	12 Months Ended
	Dec. 31, 2021
Business Segment Reporting
Business segment reporting	44. Business segment reporting In accordance with IFRS 8, an operating segment is a component of an entity: (a) that engages in business activities from which it may earn revenues and incur expenses (including revenues and expenses relating to transactions with other components of the same entity), (b) whose operating results are regularly reviewed by the entity’s Management responsible to make decisions about resources to be allocated to the segment and assess its performance, and (c) For which different financial information are available. Based on these guidelines, the Bank has identified the following reportable operating segments: • Commercial Banking, • Global Wholesale Banking, The Bank has two segments, the commercial (except for the Corporate Banking business managed globally using the Global Relationship Model) and the Global Wholesale Banking segment includes the Investment Banking and Markets operations, including departments cash and stock trades. The Bank operates in Brazil and abroad, through the Cayman branch, Luxembourg branch and its subsidiary in Spain, with Brazilian clients and therefore has no geographical segments. The income statements and other significant data are as follows: Income statements and other significant data Thousand of reais 2021 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 46,236,026 5,082,440 51,318,466 Income from equity instruments 10,216 79,824 90,040 Income from companies accounted for by the equity method 105,403 38,781 144,184 Net fee and commission income 13,285,099 1,988,202 15,273,301 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (1,433,236) (347,268) (1,780,504) Other operating expense (net) (974,391) (144,989) (1,119,380) TOTAL INCOME 57,229,117 6,696,990 63,926,107 Personnel expenses (8,220,544) (805,158) (9,025,702) Other administrative expenses (7,697,346) (593,371) (8,290,717) Depreciation and amortization (2,342,639) (91,282) (2,433,921) Provisions (net) (2,176,774) (2,643) (2,179,417) Impairment losses on financial assets (net) (17,169,630) 56,896 (17,112,734) Impairment losses on non-financial assets (net) (163,935) (1,864) (165,799) Other non-financial gains (losses) 32,512 - 32,512 OPERATING PROFIT BEFORE TAX (1) 19,490,761 5,259,568 24,750,329 Currency Hedge (1) 2,511,980 - 2,511,980 ADJUSTED OPERATING INCOME BEFORE TAX (1) 22,002,741 5,259,568 27,262,309 Thousand of reais 2020 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 41,457,352 2,985,361 44,442,713 Income from equity instruments 3,617 30,137 33,754 Income from companies accounted for by the equity method 84,051 28,210 112,261 Net fee and commission income 14,405,280 1,822,934 16,228,214 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (13,515,305) 1,812,403 (11,702,902) Other operating expense (net) (767,088) (105,422) (872,510) TOTAL INCOME 41,667,906 6,573,623 48,241,529 Personnel expenses (8,139,785) (731,697) (8,871,482) Other administrative expenses (7,634,670) (608,808) (8,243,478) Depreciation and amortization (2,488,517) (90,610) (2,579,127) Provisions (net) (1,638,787) (17,759) (1,656,546) Impairment losses on financial assets (net) (17,379,570) (70,619) (17,450,189) Impairment losses on non-financial assets (net) (28,403) (56,504) (84,907) Other non-financial gains (losses) 308,176 - 308,176 OPERATING PROFIT BEFORE TAX (1) 4,666,350 4,997,625 9,663,975 Currency Hedge (1) 13,583,011 - 13,583,011 ADJUSTED OPERATING INCOME BEFORE TAX (1) 18,249,361 4,997,625 23,246,986 Thousand of reais 2019 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 42,043,774 2,277,333 44,321,107 Income from equity instruments 4,864 14,069 18,933 Income from companies accounted for by the equity method 149,488 - 149,488 Net fee and commission income 13,923,272 1,789,880 15,713,152 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (1,541,343) 1,215,351 (325,992) Other operating expense (net) (1,069,052) (38,668) (1,107,720) TOTAL INCOME 53,511,003 5,257,965 58,768,968 Personnel expenses (8,554,254) (773,460) (9,327,714) Other administrative expenses (7,139,828) (473,984) (7,613,812) Depreciation and amortization (2,297,010) (94,847) (2,391,857) Provisions (net) (3,668,709) (12,877) (3,681,586) Impairment losses on financial assets (net) (13,423,361) 53,455 (13,369,906) Impairment losses on non-financial assets (net) (73,216) (58,219) (131,435) Other non-financial gains (losses) 20,489 - 20,489 OPERATING PROFIT BEFORE TAX (1) 18,375,114 3,898,033 22,273,147 Currency Hedge (1) 1,264,279 - 1,264,279 ADJUSTED OPERATING INCOME BEFORE TAX (1) 19,639,393 3,898,033 23,537,426 (1) Includes, in the Commercial Bank, the currency hedge of the investment in dollars (a strategy to mitigate the tax effects and the variation of the exchange rate of offshore investments on net income), the result of which is recorded under “on financial assets and liabilities "fully offset in the line of Taxes Other aggregates 2021 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 838,267,118 92,941,277 931,208,396 Loans and advances to customers 394,086,048 70,757,994 464,844,042 Customer deposits 344,180,608 124,780,461 468,961,069 2020 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 837,339,314 96,239,065 933,578,379 Loans and advances to customers 317,553,409 76,214,628 393,768,037 Customer deposits 322,328,033 123,485,939 445,813,972 2019 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 675,514,634 85,097,984 760,612,618 Loans and advances to customers 259,644,994 67,054,486 326,699,480 Customer deposits 253,313,187 83,201,410 336,514,597

Related party transactions

Related party transactions	12 Months Ended
	Dec. 31, 2021
Related party transactions	45. Related party transactions The parties related to the Bank are deemed to include, in addition to its subsidiaries, associates and jointly controlled entities, the Bank’s key management personnel and the entities over which the key management personnel may exercise significant influence or control. Banco Santander has the Policy on Related Party Transactions approved by the Board of Directors, which aim to ensure that all transactions are made on the policy typified in view the interests of Banco Santander and its stockholders'. The policy defines powers to approve certain transactions by the Board of Directors. The rules laid down are also applied to all employees and directors of Banco Santander and its subsidiaries. The transactions and remuneration of services with related parties are carried out in the ordinary course of business and under commutative conditions, including interest rates, terms and guarantees, and do not involve risks greater than normal collection or present other disadvantages. a) Key-person management compensation The Bank's Board of Directors' Meeting held on March 26, 2021 approved, in accordance with the favorable recommendation of the Compensation Committee, the proposal for the maximum global compensation for Managers (Board of Directors and Executive Board) for the year of 2021, in the amount of up to R$ 433,940 i) Long-term benefits The Banco Santander as well as Banco Santander Spain, as other subsidiaries of Santander Group, have long-term compensation programs tied to their share's performance, based on the achievement of goals. ii) Short-term benefits The following table shows the Board of Directors’ and Executive Board’s: Thousand of reais 2021 2020 2019 Fixed Compensation 96,544 90,889 89,518 Variable Compensation - in cash 115,627 83,352 70,816 Variable Compensation - in shares 94,607 81,306 80,832 Others (1) 67,883 47,832 46,937 Total Short-Term Benefits 374,661 303,379 288,103 Variable Compensation - in cash 101,837 98,407 92,704 Variable Compensation - in shares 109,918 97,729 102,046 Total Long-Term Benefits 211,755 196,136 194,750 Total (2) 586,416 499,515 482,853 Additionally, in the exercise ended on December 31, 2021 32,086 29,162 33,912 iii) Contract termination The termination of the employment relationship for non-fulfillment of obligations or voluntarily does not entitle executives to any financial compensation. b) Lending operations Under current law, it is not granted loans or advances involving: I - directors, members of board of directors and audit committee as well as their spouses and relatives up to the second degree; II - individuals or legal entities of Banco Santander, which hold more than 10% of the share capital; III - Legal entities which hold more than 10% of the share capital, Banco Santander and its subsidiaries; and IV - legal entities in which any of the officers, members of the Board of Directors and Audit Committee, as well as their spouses or relatives up to the second degree, hold more than 10% of the share capital. c) Ownership Interest The table below shows the direct interest (common shares and preferred shares) as of December 31, 2021, 2020 and 2019: 2021 Common Preferred Total Shares Common Shares Preferred Shares Total Stockholders' (thousand) Shares (%) (thousand) Shares (%) (thousand) Shares (%) Sterrebeeck B.V. (1) 1,809,583 47.4% 1,733,644 47.1% 3,543,227 47.3% Grupo Empresarial Santander, S.L. (1) 1,627,891 42.6% 1,539,863 41.9% 3,167,754 42.2% Banco Santander, S.A. (1) 2,696 0.1% - 0.0% 2,696 0.0% Directors (*) 4,939 0.1% 5,029 0.1% 9,968 0.1% Others 357,831 9.4% 385,545 10.5% 743,374 9.9% Total 3,802,940 99.6% 3,664,081 99.6% 7,467,019 99.5% Treasury shares 15,755 0.4% 15,755 0.4% 31,510 0.5% Total 3,818,695 100.0% 3,679,836 100.0% 7,498,529 100.0% Free Float (2) 357,830 9.4% 385,544 10.5% 743,374 9.9% 2020 Common Preferred Total Shares Common Shares Preferred Shares Total Stockholders' (thousand) Shares (%) (thousand) Shares (%) (thousand) Shares (%) Sterrebeeck B.V. (1) 1,809,583 47.4% 1,733,644 47.1% 3,543,227 47.3% Grupo Empresarial Santander, S.L. (1) 1,627,891 42.6% 1,539,863 41.8% 3,167,755 42.2% Banco Santander, S.A. (1) 2,696 0.1% - 0.0% 2,696 0.04% Employees 2,046 0.1% 2,046 0.1% 4,092 0.05% Directors (*) 4,034 0.1% 4,034 0.1% 8,067 0.11% Others 353,616 9.3% 381,420 10.4% 735,036 9.8% Total 3,799,866 99.5% 3,661,007 99.5% 7,460,873 99.5% Treasury shares 18,829 0.5% 18,829 0.5% 37,658 0.5% Total 3,818,695 100.0% 3,679,836 100.0% 7,498,531 100.0% Free Float (2) 355,662 9.3% 383,466 10.4% 739,128 9.9% 2019 Common Preferred Total Shares Common Shares Preferred Shares Total Stockholders' (thousand) Shares (%) (thousand) Shares (%) (thousand) Shares (%) Grupo Empresarial Santander, S.L. (1) 1,107,673 29.0% 1,019,645 27.7% 2,127,318 28.4% Sterrebeeck B.V. (1) 1,809,583 47.4% 1,733,644 47.1% 3,543,227 47.3% Banco Santander, S.A. (1) 521,964 13.7% 519,268 14.1% 1,041,232 13.9% Employees 2,526 0.1% 2,533 0.1% 5,059 0.1% Administrators (*) 4,525 0.1% 4,524 0.1% 9,049 0.1% Others 355,722 9.3% 383,519 10.4% 739,241 9.9% Total 3,801,993 99.6% 3,663,133 99.5% 7,465,126 99.6% Treasury shares 16,702 0.4% 16,702 0.5% 33,404 0.4% Total 3,818,695 100.0% 3,679,835 100.0% 7,498,530 100.0% Free Float (2) 358,248 9.4% 386,053 10.5% 744,301 9.9% (1) Companies of the Santander Spain Group. (2) Composed by Employees, Qatar Holding and other. (*) None of the members of the Board of Directors and the Executive Board holds 1.0% or more of any class of shares. d) Related-Party Transactions Santander has a Policy for Related Party Transactions approved by the Board of Directors, which aims to ensure that all transactions typified by the policy to take effect in view of the interests of Banco Santander and its stockholders. The policy defines the power to approve certain transactions by the Board of Directors. The planned rules also apply to all employees and officers of Banco Santander and its subsidiaries. Operations and charges for services with related parties are carried out in the ordinary course of business and under reciprocal conditions, including interest rates, terms and guarantees, and do not entail greater risk than the normal collection or have other disadvantages. Principal transactions and balances - Assets And Liabilities Thousand of reais 2021 Parent (1) Joint-controlled Other Related-Party (2) Assets 895,492 3,347 32,135,748 Financial assets for trading (3,043,904) - (73,209) Banco Santander, S.A. – Espanha (1) (3,043,904) - - Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 241,716 Santander FI Santillana Multimercado Crédito Privado (2) - - (1,241,109) Apolo Fundo de Investimento em Direitos Creditórios - - 955,737 FIDC Venda de Veículos - - (29,553) Loans and other values with credit institutions - Cash and overnight operations in foreign currency 3,930,078 850 27,590,541 Banco Santander, S.A. – Espanha (3) 3,930,078 - - PSA Corretora de Seguros e Serviços Ltda. - - 48 Santander Bank, National Association - - 8,538,165 Banco Santander Totta, S.A. (2) - - 950 Santander Bank Polska S.A. (2) - - 99 Santander UK plc - - 171,920 Banco Santander, S.A. – México (2) - - 21,123 Banco RCI Brasil S.A. - 850 - Hyundai Corretora de Seguros Ltda. - - 3 Santander Global Technology, S.L., SOCI - - 192 Getnet S.A. - - 18,858,041 Loans and advances to customers 109 - 3,570,635 Webmotors S.A. - - 21,763 Banco Santander Espanha (1) 109 - - Santander Tecnología México, S.A. de C.V. - - 122 Gesban Servicios Administrativos Globales, S.L. - - 23 Santander Brasil Gestão de Recursos Ltda. - - 169 Gestora de Inteligência de Crédito - - 67,511 Loop Gestão de Pátios S.A. - - 9,861 Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 191 Getnet S.A. - - 3,450,923 Car10 Tecnologia e Informação S.A. - - 38 Key Management Personnel (5) - - 20,034 Other Assets 9,209 2,497 1,048,039 Banco Santander, S.A. – Espanha (1) 9,209 - - Banco RCI Brasil S.A. - 2,497 - Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 965,926 Getnet S.A. - - 15 Others - - 82,098 Guarantees and Limits - - (258) Key Management Personnel (5) - - (258) Liabilities (25,832,894) (63,599) (9,602,791) Deposits of Brazil Central Bank and deposits of credit institutions (11,178,490) (63,599) (7,802,709) Banco Santander, S.A. – Espanha (1) (11,178,490) - - Banco RCI Brasil S.A. - (63,599) - Santander Caceis Brasil DTVM S.A.(2) - - (722,222) Getnet S.A. - - (7,079,955) Others - - (532) Securities - - (128,593) Key Management Personnel (5) - - (128,593) Customer deposits - - (828,107) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (63,864) Santander Brasil Gestão de Recursos Ltda. - - (44,141) Webmotors S.A. - - (3,744) Santander Caceis Brasil DTVM S.A. - - (562) Gestora de Inteligência de Crédito - - (36,097) Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (21,725) Getnet S.A. - - (372,151) Key Management Personnel (5) - - (28,672) Others - - (257,151) Other financial liabilities - Dividends and interest on capital Payable (564,786) - - Banco Santander Espanha (73) - - Grupo Empresarial Santander, S.L. (1) (464,295) - - Sterrebeeck B.V. (1) (100,418) - - Other Payables (1,011) - (843,382) Banco Santander Espanha (1) (1,011) - - Santander Caceis Brasil DTVM S.A. - - (12,286) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (28,801) Getnet S.A. - - (123,863) Key Management Personnel (5) - - (664,264) Others - - (14,168) Debt Instruments Eligible to Compose Capital (14,088,607) - - Banco Santander Espanha (1) (14,088,607) - - Thousand of Reais 2020 Parent (1) Joint-controlled Other Related-Party (2) Assets 2,966,012 3,589,575 8,962,950 Financial assets for trading - Derivatives net (1,326,965) - (2,527,296) Banco Santander, S.A. – Espanha (1) (1,326,965) - - Super Pagamentos e Administração de Meios Eletrônicos S.A. (2) - - (211,154) Santander FI Santillana Multimercado Crédito Privado (2) - - (2,316,142) Loans and other values with credit institutions - Cash and overnight operations in foreign currency 4,240,680 3,587,028 10,446,557 Banco Santander, S.A. – Espanha (3) 4,240,680 - - PSA Corretora de Seguros e Serviços Ltda. - - 113 Santander Digital Assets, SL - - 8,105 Santander Bank, National Association - - 10,315,450 Banco Santander Totta, S.A. (2) - - 1,250 Bank Zachodni (2) - - 171 Santander UK plc - - 92,703 Banco Santander, S.A. – México (2) - - 27,993 Banco RCI Brasil S.A. - 3,587,028 - Hyundai Corretora de Seguros Ltda. - - 3 Integry Tecnologia e Serviços A.H.U Ltda. - - 45 Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 532 Santander Global Technology, S.L., SOCI - - 192 Loans and advances to customers - - 998,063 Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 823,467 Zurich Santander Brasil Seguros S.A. (4) - - 57,081 Webmotors S.A. - - 18,455 Banco Santander Espanha (1) - - 224 Isban Mexico, S.A. de C.V. - - 122 Gesban Servicios Administrativos Globales, S.L. - - 23 Santander Brasil Gestão de Recursos Ltda. - - 169 Gestora de Inteligência de Crédito - - 66,667 Loop Gestão de Pátios S.A. - - 11,966 Key Management Personnel (5) - - 19,889 Other Assets 52,297 2,547 34,589 Banco Santander, S.A. – Espanha (1) 52,297 - - Banco RCI Brasil S.A. - 2,547 - Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 34,589 Guarantees and Limits - - 11,038 Key Management Personnel (5) - - 11,038 Liabilities (24,084,795) (226,046) (1,779,587) Deposits of Brazil Central Bank and deposits of credit institutions (10,456,623) (226,046) (37,214) Banco Santander, S.A. – Espanha (1) (10,456,623) - - Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (36,390) Loop Gestão de Pátios S.A. - - (824) Banco RCI Brasil S.A. - (226,046) - Securities obligations - - (117,368) Key Management Personnel (5) - - (117,368) Customer deposits - - (869,888) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (64,836) Santander Brasil Gestão de Recursos Ltda. - - (335) Webmotors S.A. - - (1,411) Santander Caceis Brasil DTVM S.A. - - (581,543) Santander Brasil Asset (2) - - (100) Gestora de Inteligência de Crédito - - (149,257) Key Management Personnel (5) - - (36,762) Others - - (35,644) Other financial liabilities - Dividends and interest on capital Payable (508,491) - - Banco Santander Espanha (195) - - Grupo Empresarial Santander, S.L. (1) (239,890) - - Sterrebeeck B.V. (1) (268,406) - - Other Payables (21) - (755,117) Banco Santander Espanha (1) (21) - - Santander Brasil Asset (2) - - (95) Santander Caceis Brasil DTVM S.A. - - (9,373) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (78,686) Key Management Personnel (5) - - (633,276) Others - - (33,687) Debt Instruments Eligible to Compose Capital (13,119,660) - - Banco Santander Espanha (1) (13,119,660) - - Thousand of Reais 2019 Parent (1) Joint-controlled Other Related-Party (2) Assets 5,294,152 4,387,013 874,668 Financial assets for trading - Derivatives net (763,547) - (113,931) Banco Santander, S.A. – Espanha (1) (763,547) - - Santander FI Santillana Multimercado Crédito Privado (2) - - (113,931) Loans and other values with credit institutions - Cash and overnight operations in foreign currency 5,896,120 - 70,261 Banco Santander, S.A. – Espanha (3) 5,896,120 - - Banco Santander Totta, S.A. (2) - - 7,921 Bank Zachodni (2) - - 94 Santander UK plc - - 16,701 Banco Santander, S.A. – México (2) - - 45,545 Loans and advances to customers 912 20,367 884,696 Zurich Santander Brasil Seguros e Previdência S.A. - - 814,320 Zurich Santander Brasil Seguros S.A. - - 58,778 Webmotors S.A. - 20,367 - Banco Santander Espanha (1) 912 - - Isban Mexico, S.A. de C.V. - - 122 Gesban Servicios Administrativos Globales, S.L. - - 23 Santander Brasil Gestão de Recursos Ltda. - - 169 Key Management Personnel (5) - - 11,284 Loans and other values with credit institutions (1) 86,638 4,365,518 192 Banco Santander, S.A. – Espanha (1) 86,638 - - Banco RCI Brasil S.A. - 4,365,518 - Santander Global Technology, S.L., SOCI - - 192 Other Assets 74,029 1,128 28,476 Banco Santander, S.A. – Espanha (1) 74,029 - - Banco RCI Brasil S.A. - 1,128 - Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 28,476 Guarantees and Limits - - 4,974 Key Management Personnel (5) - - 4,974 Liabilities (17,105,753) (169,103) (1,529,828) Deposits of Brazil Central Bank and deposits of credit institutions (42,060) (167,017) (20,571) Banco Santander, S.A. – Espanha (1) (42,060) - - Santander FI Santillana Multimercado Crédito Privado (2) - - (20,571) Banco RCI Brasil S.A. - (167,017) - Bonds and securities - - (89,074) Key Management Personnel (5) - - (89,074) Customer deposits - (2,086) (1,008,416) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (199,934) Santander Brasil Gestão de Recursos Ltda - - (332,916) Webmotors S.A. - (2,082) - Santander Caceis Brasil DTVM S.A. - - (404,427) Santander Brasil Asset (2) - - (16,762) Key Management Personnel (5) - - (36,104) Others - (4) (18,273) Other financial liabilities - Dividends and interest on capital payable (6,874,602) - (12,226) Banco Santander, S.A. – Espanha (1) (1,067,623) - - Grupo Empresarial Santander, S.L. (1) (2,177,207) - - Sterrebeeck B.V. (1) (3,629,772) - - Banco Madesant (2) - - (1,948) Key Management Personnel (5) - - (10,278) Other Payables (13,130) - (399,541) Banco Santander, S.A. – Espanha (1) (13,130) - - Santander Brasil Asset - - (7,203) Santander Caceis Brasil DTVM S.A. - - (5,066) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (21,219) Key Management Personnel (5) - - (357,249) Others - - (8,804) Debt Instruments Eligible to Compose Capital (10,175,961) - - Banco Santander, S.A. – Espanha (1) (10,175,961) - - All loans and other amounts with related parties were made in the normal course of business and on a sustainable basis, including interest rates and guarantees and do not involve risks greater than normal collection or have other disadvantages. (1) Banco Santander (Brasil) S.A. is indirectly controlled by Banco Santander Espanha (note 1-a), through the subsidiaries Grupo Empresarial Santander, S.L. and Sterrebeeck B.V. (2) Refers to the parent company's subsidiaries (Banco Santander Espanha). (3) As of December 31, 2021, it refers to cash and cash equivalents in the amount of R$1,476,611 (2020 – R$ 2,459,371). (4) Significant influence of Banco Santander Espanha. (5) The balance with key management personnel refers to operations contracted prior to the term of the mandates. Principal transactions and balances - Income Thousand of Reais 2021 Parent (1) Joint-controlled Other Related-Party (2) Income (2,896,127) 37,036 1,622,821 Interest and similar income - Loans and amounts due from credit institutions 7,534 - 77,832 Banco Santander Espanha 7,534 - - Apolo Fundo de Investimento em Direitos Creditórios - - 76,004 Key Management Personnel - - 1,828 Guarantees and Limits - - 45 Key Management Personnel - - 45 Interest expense and similar charges - Customer deposits - - (634,659) Santander Brasil Gestão de Recursos Ltda. - - (1,159) Gestora de Inteligência de Crédito - - (2,354) Webmotors S.A. - - (233) Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (6,916) Getnet S.A. - - (23,448) Banco Santander (Suisse), S.A. - - (1,437) Key Management Personnel - - (594,194) Others - - (4,918) Interest expense and similar charges - Deposits from credit institutions (122,318) - (4,652) Banco Santander – Espanha (122,318) - - Santander FI Santillana Multimercado Crédito Privado (1) - - (30,024) Santander Caceis Brasil DTVM S.A. (2) - - 25,372 Fee and commission income (expense) - 37,036 3,511,120 Banco RCI Brasil S.A. - 37,036 - Banco Santander International - - 43,375 Zurich Santander Brasil Seguros S.A. - - 118,324 Zurich Santander Brasil Seguros e Previdência S.A. - - 3,200,930 Getnet S.A. - - 145,554 Key Management Personnel - - 399 Others - - 2,538 Gains (losses) on financial assets and liabilities (net) and exchange differences (net) (2,560,112) - (769,218) Banco Santander, S.A. Espanha (2,560,112) - - Santander FI Santillana Multimercado Crédito Privado - - (3,666) Santander Caceis Brasil DTVM S.A. (2) - - (29,413) Zurich Santander Brasil Seguros e Previdência S.A. - - (152,376) Zurich Santander Brasil Seguros S.A. (3) - - 310,706 Getnet S.A. - - (881,699) Key Management Personnel - - (13,083) Others - - 313 Administrative expenses and Amortization (221,231) - (558,452) Banco Santander, S.A. Espanha (221,231) - - ISBAN Chile S.A. - - (4) Aquanima Brasil Ltda. - - (29,526) Santander Caceis Brasil DTVM S.A. (2) - - (45,196) Santander Global Technology, S.L., SOCI - - (446,313) Getnet S.A. - - (2,092) Others - - (35,321) Others Administrative expenses - Donation - - 805 Fundação Sudameris - - 805 Thousand of Reais 2020 Parent (1) Joint-controlled Other Related-Party (2) Income (2,164,484) 204,209 1,442,100 Interest and similar income - Loans and advances to customers 13,934 185,646 1,485 Banco Santander Espanha 13,934 - - Banco RCI Brasil S.A. - 185,646 - Key Management Personnel - - 1,485 Guarantees and Limits - - 61 Key Management Personnel - - 61 Interest expense and similar charges - Customer deposits - - (19,215) Santander Brasil Gestão de Recursos Ltda. - - (5,664) Gestora de Inteligência de Crédito - - (1,039) Webmotors S.A. - - (2) Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (7,198) Key Management Personnel - - (4,657) Others - - (655) Interest expense and similar charges - Deposits from credit institutions (569,355) (6,226) (15,032) Banco Santander Espanha (569,355) - - Banco RCI Brasil S.A. - (6,226) - SAM Brasil Participações - - (3) Santander Caceis Brasil DTVM S.A. (2) - - (14,645) Santander Asset Management, S.A. SGIIC. - - (384) Fee and commission income (expense) (2,002) 24,789 3,092,951 Banco Santander Espanha (2,002) - - Banco RCI Brasil S.A. - 24,789 - Banco Santander International - - 45,261 Webmotors S.A. - - 223 Zurich Santander Brasil Seguros S.A. - - 321,008 Zurich Santander Brasil Seguros e Previdência S.A. - - 2,706,398 Key Management Personnel - - 308 Others - - 19,753 Gains (losses) on financial assets and liabilities (net) and exchange differences (net) (541,693) - (413,101) Banco Santander, S.A. Espanha (541,693) - - Santander FI Santillana Multimercado Crédito Privado - - (396,689) Santander Caceis Brasil DTVM S.A. (2) - - (4,662) Zurich Santander Brasil Seguros e Previdência S.A. - - (17,344) Key Management Personnel - - 180 Others - - 5,414 Administrative expenses and Amortization (202,787) - (1,354,006) Banco Santander, S.A. Espanha (202,787) - - ISBAN Chile S.A. - - (20) Aquanima Brasil Ltda. - - (52,431) TECBAN - Tecnologia Bancária Brasil - - (364,349) Santander Caceis Brasil DTVM S.A. (2) - - (46,813) Santander Global Technology, S.L., SOCI - - (358,364) Key Management Personnel - - (499,514) Others - - (32,515) Others Administrative expenses - Donation - - (19,630) Santander Cultural - - (330) Fundação Santander - - (1,600) Instituto Escola Brasil - - (700) Fundação Sudameris - - (17,000) Result on the sale of assets not classified as assets held for sale - - 168,588 Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 168,588 Debt Instruments Eligible to Compose Capital (862,581) - - Banco Santander Espanha (862,581) - - Thousand of Reais 2019 Parent (1) Joint-controlled Other Related-Party (2) Income (1,458,386) 226,141 1,254,022 Interest and similar income - Loans and advances to customers 219,060 437,322 630 Interest and similar income - Loans and amounts due from credit institutions 109,530 218,661 630 Banco Santander Espanha 109,530 - - Banco RCI Brasil S.A. - 218,661 - Key Management Personnel - - 630 Guarantees and Limits - - 24 Key Management Personnel - - 24 Interest expense and similar charges - Customer deposits - (25) (27,433) Santander Brasil Gestão de Recursos Ltda. - - (16,387) Gestora de Inteligência de Crédito - - (3,275) Webmotors S.A. - (25) - Key Management Personnel - - (7,747) Others - - (24) Interest expense and similar charges - Deposits from credit institutions (174) (3,375) (96,579) Banco Santander – Espanha (174) - - Banco RCI Brasil S.A. - (3,375) - SAM Brasil Participações - - (37) Santander FI Santillana Multimercado Crédito Privado - - (67,821) Santander Securities Services Brasil DTVM S.A. (2) - - (27,595) Santander Asset Management, S.A. SGIIC. - - (1,126) Fee and commission income (expense) 2,310 10,418 2,635,325 Banco Santander – Espanha 2,310 - - Banco RCI Brasil S.A. - 10,201 - Banco Santander International - - 35,294 Webmotors S.A. - 217 - Zurich Santander Brasil Seguros S.A. - - 231,920 Zurich Santander Brasil Seguros e Previdência S.A. - - 2,356,596 Key Management Personnel - - 343 Others - - 11,172 Gains (losses) on financial assets and liabilities (net) and exchange differences (net) (724,169) 462 44,858 Banco Santander, S.A. – Espanha (724,169) - - Santander FI Santillana Multimercado Crédito Privado - - (598) Santander Caceis Brasil DTVM S.A. (2) - - (2,297) Zurich Santander Brasil Seguros e Previdência S.A. - - 43,858 Key Management Personnel - - 168 Others - 462 3,727 Administrative expenses and Amortization (153,332) - (1,283,788) Banco Santander, S.A. – Espanha (153,332) - - ISBAN Chile S.A. - - (28) Aquanima Brasil Ltda. - - (32,032) TECBAN - Tecnologia Bancária Brasil - - (345,610) Santander Caceis Brasil DTVM S.A. (2) - - (49,241) Santander Global Technology, S.L., SOCI - - (336,952) Key Management Personnel - - (482,852) Others - - (37,073) Others Administrative expenses - Donation - - (19,015) Fundação Santander - - (1,615) Instituto Escola Brasil - - (1,300) Fundação Sudameris - - (16,100) Debt Instruments Eligible to Compose Capital (692,551) - - Banco Santander Espanha (692,551) - - (1) Banco Santander (Brasil) S.A. is indirectly controlled by Banco Santander Spain, through its subsidiary Grupo Empresarial Santander, S.L. and Sterrebeeck B.V. (2) Refers to the Company's subsidiaries (Banco Santander, S.A .- Spain).

Risk management

Risk management	12 Months Ended
	Dec. 31, 2021
Risk management	46. Risk management Risk management at Banco Santander is based on the following principles: A. Independence of the management activities related to the business; B. Involvement of the Senior Management in decision-making; C. Consensus in the decision making on credit operations between the Risk and Business departments; D. Collegiate decision-making, which includes the branch network, aiming to encourage diversity of opinions and avoiding the attribution of individual decisions; E. The use of statistical tools to estimate default, which includes internal rating, credit scoring and behavior scoring, RORAC (Return on Risk Adjusted Capital), VaR (Value at Risk), economic capital, scenario assessment, among others; F. Global approach, which an integrated treatment of risk factors in the business departments and the concept of economic capital as a consistent metric for risk undertaken and for business management; G. Common management tools H. Organizational structure I. Scopes and responsibilities J. Risk limitation K. Recognition L. Effective information channel M. Maintenance of a medium-low risk profile, and low volatility by: • The portfolio diversification, limiting concentration in clients, groups, sectors, products or geographically speaking; the complexity level of market operations reduction; the analysis of social and environmental risks of businesses and projects financed by the bank; continuous follow up to prevent the portfolios from deteriorating. • Policies and procedures definition that are part of the Regulatory Framework Risk, which regulates the risk activities and processes. They follow the instructions of the Board of Directors, the regulations of the BACEN and the international best practices in order to protect the capital and ensure business' profitability. At Banco Santander, the risk management and control process is structured using as reference the framework defined at corporate level and described according to the following phases: I. Adaptation of corporate management frameworks and policies that reflect Banco Santander’s risk management principles. Within this regulatory framework, the Corporate Risk Management Framework, regulates the principles and standards governing Banco Santander´s risk activities, based on the corporate organization and a management models, meeting the necessary regulatory requirements for credit management. The organizational model comprises the management map, which defines the risk function and governance, and the regulatory framework itself. II. Identification of risks through the constant review and monitoring of exposures, the assessment of new products, businesses and deals (singular transactions); III. Risks measurement using methods and models periodically tested. IV. Preparation and distribution of a complete set of reports that are reviewed daily by the heads at all levels of Banco Santander management. V. Implementation of a risk control system which checks, on a daily basis, the degree to which the Bank´s risk profile matches the risk policies approved and the risk limits set. The most noteworthy corporate tools and techniques (aforementioned) already in use at Banco Santander are in different stages of maturity regarding the level of implementation and use in the Bank. For wholesale segment, these techniques are in line with the corporate level development. For local segments, internal ratings and scoring based models, VaR and market risk scenario analysis and stress testing were already embedded in risk management routine while Expected loss, Economic Capital and RORAC have been integrated in risk management. VI. Internal ratings- and scorings-based models which, by assessing the various qualitative and quantitative risk components by client and transaction, making it possible to estimate, firstly, the probability of default and, subsequently, the expected loss, based on Loss Given Default (LGD) estimates. VII. Economic capital, as a homogeneous measurement of the assumed risk and the basis for the measurement of the performance management. VIII. RORAC, used both as a transaction pricing tool in the whole sale segment (more precisely in global ranking and markets - bottom-up approach) as for in the analysis of portfolios and units (top-down approach). IX. VaR, which is used for controlling and setting the market risk limits for the various treasury portfolios. X. Scenario analysis and stress testing to supplement the analysis market and credit risk in order to assess the impact of alternative scenarios, even over provisions and capital. a) Corporate Governance of the Risk Function The structure of Banco Santander’s Risk Committee is defined in accordance with the highest standards of prudent management, while respecting local legal and regulatory environment. A. Integrate and adapt the Bank's risk to local level, further than the risk management strategy, tolerance level and predisposition to the risk, previously approved by the executive committee and board of directors, all matched with corporate standards of Banco Santander Spain; B. Approve the proposals, operations and limits of clients and portfolio; C. Regularly monitor all the risks inherent to the business, proving if your profile is adequate to what was established in the risk appetite. D. Authorize the use of management tools and local risk models and being aware of the result of their internal validation. E. Keeping updated, assessing and monitoring any observations and recommendations periodically formulated by the supervisory authorities regarding their functions. The organizational structure of the executive vice-presidency consists of areas which are responsible for credit risk management, market and structural, model risk management and non-financial risks. The credit risk management structure is composed by directors who act from the point of view of retail and wholesale portfolios management. A specific area has the mission to consolidate the portfolios and their respective risks, supporting the management with the integrated risk vision, as well as the Group's headquarters in Spain. There is an area responsible for the attendance to regulators, external and internal auditors. A specific structure is responsible for serving internal and external regulators, supervisors and auditors. It has a core called ERM-Enterprise risk management, integrated by a set of functions, transversal to all risks, necessary for its adequate management. These areas are part of this structure of Methodology (development and parameterization of models); Credit Risk Control; Risk Control and Performance (covering Risk Culture); Integrated management and Relationship with Supervisors and Stress Test. b) Credit Risk b.1) Introduction to the treatment of credit risk The Credit Risk Management provides subsidies to define strategies as risk appetite, to establish limits, including exposure analysis and trends as well as the effectiveness of the credit policy. The goal is to maintain a risk profile and adequate minimum profitability to offset the estimated default, both client and portfolio, as defined by the Executive Committee and Board of Directors. Additionally, it is responsible for the risk management systems applied in the identification, measurement, control and reduction of exposure to risk in individual or clustered by similar operations. The Risk Management is specialized according to each clients' characteristics, being segregated between individual clients (with the accompanied of dedicated analysts) and customers with similar characteristics (standardized). • Individualized management: It is performed by a defined risk analyst, which prepares the analysis, and forwards it to the Risk Committee and monitors the client's progress. It covers the Wholesale segment clients (Corporate and GB&M), Retail (Companies 3 and Governments, Institutions and Universities); • Standardized management: Aimed at individuals and companies not classified as individualized clients. Based on automated models of decision-making and internal risk assessment, complemented by commercial heave and analysts specialized teams to handle exceptions. Macroeconomic aspects and market conditions, sectored and geographical concentration, as well as client profiling and economic prospects are also evaluated and considered in the appropriate measuring of credit risk. b.2) Reduction to recoverable value (“impairment”) The Bank recognizes adjustments for expected credit losses with respect to the following financial instruments that are not measured at fair value through profit or loss: - financial assets that are debt instruments; - amounts receivable from leasing; - financial guarantee contracts issued; and - loan commitments issued. No impairment losses are recognized on equity instruments. The Bank measures the adjustments for losses at an amount equal to the expected credit losses over the useful life, except for the instruments below, for which they are recorded as expected credit losses in 12 months: - debt instruments that present a low credit risk at the closing date; and - other financial instruments (except lease receivables) in which the credit risk has not increased substantially since their initial recognition. Adjustments for losses on lease receivables are always measured at an amount equal to expected credit losses over their useful life. Measurement of expected credit losses Expected credit losses are a probability-weighted estimate of credit losses. They are measured as follows: - financial assets subject to impairment at the closing date: as the difference between the gross book value and the present value of estimated future cash flows; - loan commitments: as the present value of the difference between the contractual cash flows due to the Bank if the commitment is used in full and the cash flows that the Bank expects to receive; and - financial guarantee contracts: payments expected to reimburse the holder, less any amounts that the Bank expects to recover. Modified assets If the terms of a financial asset are renegotiated or modified or an existing financial asset is replaced by a new asset due to the debtor's financial difficulties, it is necessary to assess whether the financial asset should be derecognized and expected credit losses are measured as follows : - If the expected restructuring does not result in a write-off of the existing asset, the expected cash flows arising from the modified financial asset are included in the calculation of the cash insufficiencies of the existing asset. - If the expected restructuring results in the derecognition of the existing asset, the expected fair value of the new asset is treated as the final cash flow of the existing financial asset at the time of its derecognition. This amount is included in the calculation of cash shortfalls arising from the existing financial asset discounted from the estimated retirement date to the closing date, using the original effective interest rate of the existing financial asset. Determination of significant increases in credit risk On each balance sheet date, the Bank assesses whether financial assets recorded at amortized cost and debt financial instruments recorded at fair value through Other Comprehensive Income are subject to impairment, as well as other financial instruments subject to that assessment. A financial asset is “subject to impairment” when one or more events that have a negative impact on the estimated future cash flows of the financial asset have occurred. Evidence that a financial asset is subject to impairment includes the following observable data: - significant financial difficulty of the debtor or issuer; - delays in contractual obligations; - breach of contract, such as default or delay; - the restructuring of a loan or advance by the Bank under conditions that the Bank would not consider as interesting to carry out; - the likelihood that the debtor will enter bankruptcy or other financial reorganization; or - the disappearance of an active market for a security due to financial difficulties. A financial instrument that has been renegotiated due to deterioration in the borrower's condition is generally considered to be subject to impairment, unless there is evidence that the risk of not receiving the contractual cash flows has been significantly reduced and there are no other indicators of impairment. Presentation of the provision for impairment losses in the balance sheet Provisions for impairment losses are presented in the balance sheet as follows: - financial assets measured at amortized cost: as a deduction from the gross carrying amount of the assets; - loan commitments and financial guarantee contracts: as a provision; and - debt instruments measured at fair value through Other Comprehensive Income: no provision for losses is recognized in the balance sheet, as the book value of these assets corresponds to their fair value. Individual or collective assessment An individual measurement of impairment was based on Management's best estimate of the present value of cash flows expected to be received. In estimating these cash flows, Management exercised judgment as to the financial situation of a debtor and the net realizable value of any underlying collateral. Each asset reduced to recoverable value was evaluated on its merits, while the test strategy and the estimate of cash flows considered recoverable were approved by the Bank's credit risk officers. When assessing the need for collective allowance for losses, Management considered factors such as credit quality, portfolio size, concentrations and economic factors. To estimate the necessary allowance, assumptions were established to define how the inherent losses were modeled and to determine the necessary data parameters, based on historical experience and current economic conditions. Measurement of impairment Losses due to impairment of assets measured at amortized cost were calculated as the difference between the book value and the present value of estimated future cash flows, discounted at the asset's original effective interest rate. Impairment losses on assets measured at fair value through Other Comprehensive Income were calculated as the difference between book value and fair value. Reversal of impairment For assets measured at amortized cost: If an event that occurred after the impairment caused a reduction in the amount of the impairment loss, the reduction in the impairment loss was reversed through profit or loss. For debt securities measured at fair value through Other Comprehensive Income: If, in a subsequent period, the fair value of a debt security reduced to recoverable amount has increased and that increase could be objectively linked to an event that occurred after recognition from the impairment loss, the impairment loss was reversed through profit or loss; otherwise, any increase in fair value was recognized through Other Comprehensive Income. Any subsequent recovery in the fair value of an equity security measured at fair value through Other Comprehensive Income and reduced to recoverable amount was recognized at any time in Other Comprehensive Income. Information, assumptions and techniques used in estimating the impairment Classification of financial instruments by stages The portfolio of financial instruments subject to impairment is divided into three levels, based on the stage of each instrument related to its level of credit risk: - Stage 1: It is understood that a financial instrument at this stage does not have a significant increase in risk since its initial recognition. The provision for this Asset represents the expected loss resulting from possible non-compliance over the next 12 months; - Stage 2: If a significant increase in risk is identified since initial recognition, without having materialized deterioration, the financial instrument will be classified within this stage. In this case, the amount referring to the provision for expected loss due to default reflects the estimated loss of the residual life of the financial instrument. For the assessment of the significant increase in credit risk, the quantitative measurement indicators used in the normal management of credit risk will be used, as well as other qualitative variables, such as the indication that it is a non-impaired operation if considered as refinanced or operations included in a special arrangement; and - Stage 3: A financial instrument is recorded within this stage, when it shows evident signs of deterioration as a result of one or more events that have already occurred and that materialize in a loss. In this case, the amount referring to the allowance for losses reflects the expected losses from credit risk over the expected residual life of the financial instrument. Impairment estimation methodology The measurement of the impairment loss is carried out through the following factors: - Default Exposure or EAD: is the transaction value exposed to credit risk, including the current available balance ratio that could be provided at the time of default. The models developed incorporate assumptions about changes in the payment schedule for operations. - Probability of Default (PD): is defined as the probability that the counterparty can meet its obligations to pay principal and/or interest. For the purposes of IFRS 9, both will be considered: PD - 12 months (Stage 1), which is the probability that the financial instrument will default during the next 12 months as well as PD - lifetime (Stages 2 and 3) , which considers the probability that the operation will default between the balance sheet date and the operation's residual maturity date. The standard requires that future information relevant to the estimation of these parameters must be considered. - Loss on Default (LGD): is the loss resulting from default, ie the percentage of exposure that cannot be recovered in the event of default. It mainly depends on the guarantees associated with the operation, which are considered as risk mitigation factors associated with each credit financial asset and the expected future cash flows to be recovered. As established in the regulation, future information must be considered for its estimation. - Discount rate: is the rate applied to estimated future cash flows over the expected life of the asset, to bring them to present value. In order to estimate the aforementioned parameters, the Bank has applied its experience in the development of internal models to calculate the parameters both for regulatory purposes and for internal management. Default definition The Bank considers a financial asset to be in default when: - it is probable that the debtor will not pay its credit obligations to the Bank in full; or - the debtor has significant credit obligations to the Bank overdue for more than 90 days, as a general rule. Overdrafts are considered overdue if the customer violates a recommended limit or has been granted a limit lower than the current outstanding amount. When assessing whether a debtor is in default, the Bank considers indicators: - qualitative – for example, breaches of covenants; - quantitative – for example, overdue status and non-payment of another obligation of the same issuer to the Bank; and - based on data collected internally and obtained from external sources. b.3) Measures and measurement tools Rating tools The Bank uses proprietary internal rating models to measure the credit quality of a given customer or transaction. Each rating relates to a certain probability of default or non-payment, determined on the basis of the customer's historical experience, to predict default. Rating/Scores models are used in the Bank’s loan approval and risk monitoring process. The classification of loans into different categories is made according to the analysis of economic and financial situation of the client and any other registratered information updated frequently. New modes of operation are subject to credit risk evaluation, verification and adaptation to the controls adopted by the Bank. Ratings assigned to customers are reviewed periodically to include any new financial information available and the experience in the Banking relationship. The frequency of the reviews is increased in case of customers that reach certain levels in the automatic warning systems and of customers classified as requiring special monitoring. The own rating tools are monitored and reviewed to qualifications by them awarded are progressively enhanced. Credit risk parameters We assess all borrowings for an allowance for impairment of credit risk. Loans are individually assessed for impairment or collectively assessed by grouping similar risk characteristics. Loans individually assessed for impairment are not collectively assessed. To individually measure the impairment loss of loans assessed for impairment, we consider borrowers' conditions, such as their economic and financial situation, level of indebtedness, capacity to generate cash flow, quality of management, corporate governance, quality of internal controls, payment history, industry experience, contingencies and credit limits, as well as asset characteristics, such as their nature and purpose, type, sufficiency and liquidity level of guarantees, and also based on experience historical impairment loss and other circumstances known at the time of valuation. To measure the impairment loss of loans collectively assessed for impairment, we separate financial assets into groups considering credit risk characteristics and similarities. In other words, according to the segment, type of assets, guarantees and other factors associated with the historical impairment experience and other circumstances known at the time of the assessment. The impairment loss is calculated using statistical models that consider the following factors: Default Exposure (EAD): is the amount of a transaction exposed to credit risk, including the proportion of current outstanding balance exposure that could be provided at default. Models developed incorporate hypotheses considering possible changes in the payment schedule. Default probability (PD): is the probability that a counterparty will not fulfill its obligation to pay principal and/or interest. For the purposes of IFRS 9, this will consider both the PD-12 months, which is the probability that the financial instrument will default in the next 12 months, as well as the lifetime PD, which is the probability of the transaction to default considering its term. remaining. Future relevant information is considered necessary to estimate these parameters as per the standard. Loss Given Default (LGD): is the loss produced in case of default. In other words, it reflects the percentage of exposure that could not be recovered in the event of a default event. It mainly depends on the guarantees, which are considered to mitigate the credit risk associated with each financial asset, and the future cash flows that are expected to be recovered. According to the standard, forward-looking information must be considered in the estimate. Discount rate: the rate applied to estimated future cash flows during the expected life of the asset, which is equal to the net present value of the financial instrument at its book value. To estimate the above parameters, the Bank applied its experience in the development of internal models to calculate parameters for both regulatory and management purposes. The table shown in note 9.b shows the portfolio by internal risk rating levels and its probability of default Thousand of reais 2021 2020 2019 By maturity Less than 1 Year 270,050,934 219,062,744 186,196,849 Between 1 and 5 years 160,932,317 147,013,817 117,841,564 More than 5 years 62,371,451 51,745,465 43,218,247 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660 By internal classification of risk Low 374,505,211 347,315,357 257,133,115 Medium-low 79,216,725 24,277,404 56,549,196 Medium 14,589,977 26,231,871 11,754,806 Medium-High 9,413,111 3,896,457 8,512,386 High 15,629,678 16,100,937 13,307,156 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660 Expected credit losses, measured using sufficient and available historical data, are presented below 2021 Probability of default Default loss Exposure Commercial and industrial 247,674,251 6% 50% Real Estate Credit - construction 54,738,606 2% 8% Individual loans 188,408,840 10% 61% Leasing 2,533,004 2% 31% 2020 Probability of default Default loss Exposure Commercial and industrial 191,281,653 5% 41% Real Estate Credit - construction 45,791,869 3% 7% Individual loans 178,652,145 9% 52% Leasing 2,096,359 1% 31% 2019 Probability of default Default loss Exposure Commercial and industrial 145,387,439 7% 40% Real Estate Credit - construction 39,720,713 3% 10% Individual loans 160,036,668 10% 64% Leasing 2,111,840 2% 41% b.4) Observed loss: measures of credit cost The Bank periodically estimate losses related to credit risk and then we compare those estimates with actual losses of the month. Periodically conduct tests in order to monitor and maintain control over credit risk. To complement the use of admission and rating, the Bank use other measures that supports the prudent and effective management of credit risk, based on the loss observed. The cost of credit is measured by the sum of credit losses and to the average loans’ portfolio of the same year. b.5) Credit risk cycle Banco Santander has a global view of its credit portfolio throughout the various phases of the risk cycle, with a level of detail that allows us to evaluate the current situation of risk and any movements. This mapping is followed by the Board of Directors and the Executive Committee of the bank that no only sets policies and risk procedures, limits and delegates responsibilities. It also approves and supervises the activities of the area. The risk management process consists of identifying, measuring, analyzing, controlling, negotiating and deciding on, as appropriate, the risks incurred in the Bank’s operations and companies of the conglomerate. The risk cycle comprises three different phases: • Pre-sale: this phase includes the risk planning and setting targets, determination of the Bank’s risk appetite, approval of new products, risk analysis and credit rating process, and limit setting. • Sale: this is the decision-making phase for both pre-classified and specific transactions. • Post-sale: this phase comprises the risk monitoring, measurement and control processes and the recovery process. Planning and setting risk limits Risk limit setting is a dynamic process that identifies Banco Santander’s risk appetite by assessing business proposals and its risk attitude. This process is defined through the risk appetite approved by the Bank's Management and the units. In the case of individualized risks, the most basic level is the customer, for which individual limits are set. For GCB clients, a pre-classification model is used based on a system of measurement and monitoring of economic capital. In relation to the Corporate segment, the operational limit model is used in maximum nominal credit amounts. To the risks of customers with standardized management, the limits of the portfolios are planned using credit management programs (SGP) agreed document for the areas of business and risks, and approved by the Executive Committee. This document contains the results expected for the business in terms of risk and return, beyond the limits which govern the activity and risk management. This client group has a more automated treatment in risks. Risk analysis and rating process Risk analysis is a pre-requisite for the approval of loans to clients by the Bank. This analysis consists of examining the counterparty’s ability on meeting its contractual obligations to the Banco Santander, which involves analyzing the client’s credit quality, its risk transactions, solvency, and sustainability of business and the return to be obtained in view of the risk assumed. The risk analysis is conducted annually, at least, and can be held shortly when client profile indicates (through systems with centralized alerts, managers visits to clients or specific credit analysis), or when operations are not covered by pre-classification. Decision-Making on Operations The process of decision making on operations aims to analyze and adopt adopt in accordance with pre-established policies, considering risk appetite and any elements of the operation that are important in assessing risk and return. The Banco Santander uses, among others, the RORAC methodology (profitability on risk-adjusted capital), for risk analysis and pricing in the decision-making process on transactions and deals. Risk monitoring and control In Individual retail, customers are systematically reviewed through a daily credit rating process. This process allows for reassessments in credit exposure, allowing for increases in exposure for customers with good credit quality. In case of detection of deterioration in the risk level, actions to contain credit risk and preventive actions are automatically generated. In the case of individual management, preventive detection of deterioration in the credit quality of the operation is the responsibility of the commercial manager together with the risk analyst. Additionally, risks are monitored through a permanent observation process for early identification of incidents that may result in the evolution of operations, customers and their environment. This monitoring can result in the classification of the client in SCAN (this is a system that allows the differentiation of the management level and the action to be taken on a case-by-case basis). Risk control function The control function is performed by assessing risks from various complementary perspectives, the main pillars are the control by geographical location, business area, management model, product and process, facilitating thus the detection of specific areas requiring measures for which decisions should be taken. To obtain an overview of the bank's loan portfolio over the various phases of the credit cycle, with a level of detail that allows the assessment of the current risk situation and any movements. Any changes in the Bank’s risk exposure are controlled on an ongoing and systematic basis. The impacts of these changes in certain future situations, both of an exogenous nature and those arising from strategic decisions, are assessed in order to establish measures that place the profile and amount of the loss portfolio within the parameters set by Executive Commission. b.6) Credit recovery "Strategies and action channels are defined according to the days of past due loans and the amounts, that result in a Map of Responsibilities and always look as the first alternative, the client's recovery. The Bank uses tools as behavioral scoring to study the collection performance of certain groups, in order to reduce costs and increase recoveries. These models seek to measure the probability of clients becoming overdue adjusting collection efforts so that clients less likely to recover, receive timely actions. In cases the payments is most likely to happen, the focus is given in maintaining a healthy relationship with clients. All clients with severe or rescheduled credits delays values have internal restrictions. Clients with high risk index have a model of recovery, with a commercial follow-up and a recovery specialist. b.7) Credit risk from other perspective Certain areas and specific views of credit risk deserve a specialist’s attention, complementary to global risk management. Concentration risk Concentration risk is an essential factor to be analyzed in the credit risk management area. The Bank continuously monitors the degree of concentration of credit risk in its portfolios, by economic sector, geographic location/country, groups of customers and products. The Risk Committee establishes the risk policies and analyzes the exposure limits required for the proper management of the portfolio's credit risk concentration. From a sectorial point of view, the distribution of the corporate client portfolio is adequately diversified. The Bank's Executive Vice President for Risks works together with the Executive Vice President for Strategic Finance in the management of credit portfolios, which includes reducing the concentration of exposures through various techniques, including the maintenance of guarantees to mitigate the risk of companies, derivatives for protection purposes (hedge) or the execution of securitization transactions in order to optimize the risk/return rate of th

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2021
Subsequent Events	47. Subsequent Events Acquisition of Equity Interest in Monetus Investimentos Ltda. and Monetus Corretora de Seguros Ltda. On January 4, 2022, upon compliance with the applicable conditions precedent, Pi Distribuidora de Títulos e Valores Mobiliários SA (“Pi”), Toro Corretora de Títulos e Valores Mobiliários SA (“Toro CTVM”), and Toro Investimentos SA ( “Toro Investimentos” and, together with Toro CTVM, “Toro”) formalized, together with the partners of Monetus Investimentos Ltda., and Monetus Corretora de Seguros Ltda. (together “Monetus”), the closing of the transaction resulting from the investment agreement and other covenants, formalized on June 15, 2021 (“Closing”). As a result of the Closing, Toro Investimentos now holds 100% of Monetus' share capital. Monetus, originally from Belo Horizonte, carries out its activities through an automated objective-based investment application, after considering the client's needs and risk profile, the application automatically creates, executes and monitors a diversified and personalized investment strategy that use the platform to undertake and serve customers in the best way. Acquisition of Equity Interest in Mobills Labs Soluções em Tecnologia Ltda. and Mob Soluções em Tecnologia Ltda. On January 4, 2022, upon compliance with the applicable conditions precedent, Pi Distribuidora de Títulos e Valores Mobiliários SA (“Pi”), Toro Corretora de Títulos e Valores Mobiliários SA (“Toro CTVM”), and Toro Investimentos SA ( “Toro Investimentos” and, together with Toro CTVM, “Toro”), formalized, together with the partners of Mobills Labs Soluções em Tecnologia Ltda., and Mob Soluções em Tecnologia Ltda (together “Mobills”), the closing of the transaction resulting from of the investment agreement and other covenants, formalized on June 15, 2021 (“Closing”). As a result of the Closing, Toro Investimentos now holds 100% of the share capital of Mobills. Based in Ceará, Mobills has a variety of financial applications that have a large user base, especially related to financial planning. Acquisition of Equity Interest in CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A. On January 21, 2022, Santander Corretora de Seguros, Investimentos e Serviços S.A. ("Santander Corretora"), together with other investors – including Banco BTG Pactual S.A. and CBOE III, LLC – formalized, together with CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A. ("CSD BR ") and their respective shareholders, an investment agreement for the subscription of a minority equity interest in CSD BR ("Transaction "). CSD BR operates as a register of financial assets, derivatives, securities and insurance policies, authorized by the Central Bank of Brazil, the Brazilian Securities and Exchange Commission (Comissão de Valores Mobiliários) and the Superintendence of Private Insurance (Superintendência de Seguros Privados). The effectiveness of the Transaction will be subject to the conclusion of the definitive instruments and the implementation of certain customary precedent conditions, with the applicable regulatory approvals. After the implementation of these conditions and with the closing of the Transaction, Santander Corretora's equity interest in CSD BR will be 20% (twenty percent). Deliberation on Interim Dividends and Interest on Equity The Board of Directors, at a meeting held on February 1, 2022, approved the proposal of the Executive Board, ad referendum 1,300,000,000 1,700,000,000.00

RECONCILIATION OF STOCKHOLDERS_

RECONCILIATION OF STOCKHOLDERS’ EQUITY AND NET INCOME - BRGAAP vs IFRS	12 Months Ended
	Dec. 31, 2021
Reconciliation Of Stockholders Equity And Net Income - Brgaap Vs Ifrs
RECONCILIATION OF STOCKHOLDERS’ EQUITY AND NET INCOME - BRGAAP vs IFRS	APPENDIX I – RECONCILIATION OF STOCKHOLDERS’ EQUITY AND NET INCOME - BRGAAP vs IFRS The table below presents a conciliation of stockholders' equity and net income attributed to the parent between standards adopted in Brazil (BRGAAP) and IFRS, with the conceptual description of the main adjustments: Thousand of Reais Note 2021 2020 2019 Stockholders' equity attributed under to the Parent Brazilian GAAP 78,739,563 78,968,183 69,773,232 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss i (103,386) (882) 8,767 Reclassification of fair value through other comprehensive income j 182,094 (522,107) 73,431 Impairment of financial assets measured at amortized cost a (1,468,494) (635,194) (23,589) Remensurations, Debt instruments, due to reclassifications IFRS 9 - 907 - Category transfers - IFRS 9 b (141,260) 357,972 (206,984) Deferral of financial fees, commissions and inherent costs under effective interest rate method c 1,549,438 1,324,853 1,197,325 Reversal of goodwill amortization d 26,709,187 27,527,699 26,933,892 Realization on purchase price adjustments e 603,544 615,953 477,366 Recognition of fair value in the partial sale in subsidiaries f - - 112,052 Option for Acquisition of Equity Instrument g (763,988) (1,744,336) (1,816,799) Goodwill acquisition Santander Services (Santusa) h (179,387) (209,285) (239,182) Tax Credit with realization over 10 years - - 184,005 Others 512,835 93,224 177,064 Stockholders' equity attributed to the parent under IFRS 105,640,146 105,776,987 96,650,580 Non-controlling interest under IFRS 334,349 312,885 558,581 Stockholders' equity (including non-controlling interest) under IFRS 105,974,495 106,089,872 97,209,161 Thousand of Reais Note 2021 2020 2019 Net income attributed to the Parent under Brazilian GAAP 14,987,716 13,469,380 14,180,987 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss i (83,995) (27,428) 422 Reclassification of fair value through other comprehensive income j 45,826 68,960 451 Impairment of financial assets measured at amortized cost a (1,028,937) (498,778) 1,872,553 Remensurations, Debt instruments, due to reclassifications IFRS 9 - 907 (16,659) Category transfers - IFRS 9 b 126,520 (78,057) 6,437 Deferral of financial fees, commissions and inherent costs under effective interest rate method c 215,525 185,478 346,298 Reversal of goodwill amortization d 29,658 145,903 175,257 Realization on purchase price adjustments e (17,758) (5,348) (153,752) Option to Acquire Own Equity Instrument g 1,180,949 318,929 - Goodwill acquisition Santander Services (Santusa) h 29,898 29,898 29,898 Tax credit with realization over 10 years - (184,005) (75,995) Others 42,648 (7,311) 41,035 Net income attributed to the parent under IFRS 15,528,051 13,418,528 16,406,932 Non-controlling interest under IFRS 31,272 32,224 224,518 Net income (including non-controlling interest) under IFRS 15,559,323 13,450,752 16,631,450 a) Impairment on loans and receivables and financial assets measured at amortized cost: Refers to the adjustment resulting from the estimate of the expected loss on the portfolio of assets subject to impairment, loan commitments to be released and financial guarantee contracts, calculated based on the criteria described in the accounting practice note and in accordance with IFRS. Such criteria differ in certain aspects from those adopted under BRGAAP, which uses the regulatory limits defined by the Central Bank (Bacen), in addition to the difference in scope of the basis for calculating these losses, which for IFRS purposes considers other assets in addition to those provided by Bacen. b) Categories of financial assets As detailed in the accounting practices note, IFRS9 provides for the definition of the business models associated with each portfolio, as well as the performance of the SPPI test - if the returns of that asset are exclusively principal and interest, for classification in the categories of financial assets. BRGAAP provides for certain differences in the categorization of these financial assets, as well as establishing as an indicator the Management's intention for classification to be made. The criteria for reclassification between categories are also different between the two accounting practices. c) Deferral of financial fees, commissions and other costs under effective interest rate method: Under IFRS, financial fees, commissions and other costs that are integral part of effective interest rate of financial instruments measured at amortized cost are recognized in the income statement over the term of the corresponding contracts. Under BRGAAP these fees and expenses are recognized directly as income when received or paid. d) Reversal of goodwill amortization: Under BRGAAP, goodwill is systematically amortized over a period of up to 10 years, subject to the impairment test at least once a year or in a shorter period, in the event of any additional evidence. Under IFRS, in accordance with IAS 38 “Intangible Assets”, goodwill is not amortized, but instead, is tested for impairment, at least annually, and whenever there is an indication that the goodwill may be impaired. The tax amortization of goodwill of Banco ABN Amro Real SA represents a difference between book and tax basis of a permanent nature and definitive as the possibility of future use of resources to settle a tax liability is considered remote by management, supported by the opinion of expert external advisors. The tax amortization of goodwill is permanent and definitive, and therefore does not apply to the recognition of a deferred tax liability in accordance with IAS 12, on temporary differences. e) Realization on purchase price adjustments: As part of the purchase price allocation in acquisitions of an entity, substantially, in the acquisition of Banco Real, following the requirements of IFRS 3, the Bank has recognized the assets and liabilities of the acquiree to fair value, including identifiable intangible assets with finite lives. Under BRGAAP, in a business combination, the assets and liabilities are kept at their book value. This purchase price adjustment relates substantially to the allocation related to the value of assets in the loan portfolio. The initial recognition of value of the loans at fair value, adjustment to the yield curve of the loan portfolio in comparison to its nominal value, which is recognized by its average realization period. f) Recognition of fair value in the partial disposal of investments in subsidiaries Under IFRS 10 "Consolidated Financial Statements" on partial disposal of a permanent investment when control is lost, the fair value is recognized over the remaining portion is remeasured at its fair value, the effect of this update being recognized in result (Webmotors). Under BRGAAP, this type of operation, ongoing participation is registered by its book value. g) Option for Acquisition of Equity Instrument Within the context of transaction, Banco Santander has granted to the members of Getnet S.A. and Banco Olé Consignado a put option over all shares of Getnet S.A. and Banco Olé Consignado held by them. The overall out in IAS 32, a financial liability was recognized for this commitment, with a specific charge in a heading in stockholders' equity in the amount of R$950 million and R$67 million, respectively. Subsequently, the options have been updated and their effect is recognized in income. On December 19, 2018, Banco Santander and the Minority shareholders of Getnet SA entered into an addendum to the Purchase and Sale Agreement for Shares and Other Covenants of Getnet SA, in which Banco Santander committed to acquire all the shares of the Minority Shareholders, corresponding to 11.5% of the share capital of Getnet SA, for the amount of R$1,431,000. The acquisition was approved by BACEN on February 18, 2019 and concluded on February 25, 2019, so that Banco Santander now holds 100% of the shares representing Getnet SA's share capital. On March 14, 2019, the shareholder minority stake in Banco Olé Bonsucesso Consignado SA formalized its interest in exercising the put option provided for in the Investment Agreement, entered into on July 30, 2014, to sell its 40% stake in Olé Consignado to Banco Santander (Brazil) SA On December 20, 2019, the parties entered into a binding agreement for the acquisition, by Banco Santander, of all the shares issued by Bosan Participações SA, for the total amount of R$1.6 billion, to be paid on the closing date of the Operation. On January 30, 2020, the name of Banco Olé from Banco Olé Bonsucesso Consignado SA was changed to Banco Olé Cosignado SA On January 31, 2020, the Bank and the shareholders of Bosan Participações SA concluded the final agreement and signed the purchase and sale of 100% of the shares issued by Bosan, through the transfer of Bosan's shares to the Bank and payment to sellers in the total amount of R$1,608,772,783.47. As a result, the Bank became, directly and indirectly, the holder of 100% of Banco Olé's shares. On March 31, 2021, the partial spin-off of Santander Brasil was approved, which resulted in the segregation of the shares owned by it issued by Getnet Adquirência e Serviços para Meios de Pagamentos SA (“Getnet”), with the spun-off portion being transferred to Getnet whose the effects are mentioned in note 27.a. h) Santander Serviços goodwill (Santusa) According to the IFRS 3 "Business Combination", when the owner acquires more shares or other equity instruments of an entity already controlled, it shall consider such amount as an equity reduction. According to the BRGAAP this amount shall be registered in the asset as goodwill or discount on the acquisition f the investment, which is the difference between the acquisition cost and the equity amount of the shares. i) Reclassification of financial instruments at fair value through profit or loss Under BRGAAP, all loans, financing and deposits are recorded at amortized cost. In IFRS, in accordance with IFRS 9 "Financial Instruments: Recognition and Measurement", financial assets may be measured at fair value and included in the category "Other financial assets at fair value through profit or loss", in order to eliminate or significantly reduce accounting mismatches ( accounting mismatch) of recognition or measurement derived from the measurement of assets or liabilities or from the recognition of gains or losses on these assets / liabilities on a number of bases, which are managed and their performances valued at fair value. Accordingly, the Bank classified loans, financing and deposits that meet these parameters as "fair value through profit or loss", as well as certain debt instruments classified as "available for sale" in BRGAAP. The Bank opted for this classification base in IFRS, since it eliminates an accounting mismatch in the recognition of revenues and expenses. j) Reclassification of financial assets measured at fair value through other comprehensive income According to the BRGAAP, the Bank registers some investments, for example, debt instruments initially measured at amortized cost and equity instruments at cost. At the time of this balance sheet, the management reviewed the managing strategy of its investments and according to Bacen Circular 3.068, the debt instruments were reclassified to "trading" measured at fair value with changes in the income statement. According to the IFRS, the Bank is classifying these investments as financial assets measured at fair value through other comprehensive income them at fair value with changes in "other comprehensive income", in line with IAS 9 "Financial Instruments ", which does not allow the reclassification of any financial instrument to fair value with changes in the income statement after the initial recognition. APPENDIX II – STATEMENTS OF VALUE ADDED The following Statements of value added is not required under IFRS but being presented as supplementary information as required by Brazilian Corporate Law for publicly-held companies, and has been derived from the Bank´s consolidated financial statements prepared in accordance with IFRS. 2021 2020 2019 Thousand of Reais Interest and similar income 77,987,308 62,774,940 72,841,060 Net fee and commission income 15,273,301 16,228,214 15,713,152 Impairment losses on financial assets (net) (17,112,734) (17,450,188) (13,369,905) Other income and expense (3,843,999) (5,012,403) (4,025,384) Interest expense and similar charges (28,885,478) (18,332,228) (28,519,953) Third-party input (8,078,399) (7,946,539) (7,544,695) Materials, energy and others (713,400) (641,831) (659,656) Third-party services (6,231,129) (6,424,755) (6,047,498) Impairment of assets (165,799) (84,908) (131,435) Other (968,071) (795,045) (706,106) Gross added value 35,339,999 30,261,796 35,094,275 Retention Depreciation and amortization (2,433,921) (2,579,127) (2,391,857) Added value produced 32,906,078 27,682,669 32,702,418 Investments in affiliates and subsidiaries 144,184 112,261 149,488 Added value to distribute 33,050,262 27,794,930 32,851,906 Added value distribution Employee 8,045,893 24.3% 7,943,711 28.6% 8,457,212 25.7% Compensation 5,929,439 5,749,669 5,961,765 Benefits 1,593,386 1,514,611 1,637,099 Government severance indemnity funds for employees - FGTS 431,249 448,457 502,173 Other 91,819 230,974 356,175 Taxes 9,269,368 28.0% 6,298,717 22.7% 7,674,704 23.4% Federal 8,332,994 10,088,318 6,571,450 State 813 (830,771) 54 Municipal 935,561 (2,958,830) 1,103,200 Compensation of third-party capital - rental 175,677 0.5% 101,749 0.4% 88,540 0.3% Remuneration of interest on capital 15,559,324 47.1% 13,450,753 48.4% 16,631,450 50.6% Dividends and interest on capital 9,649,000 3,837,085 10,800,000 Profit Reinvestment 5,879,052 9,581,444 5,606,932 Profit (loss) attributable to non-controlling interests 31,272 32,224 224,518 Total 33,050,262 100.0% 27,794,930 100.0% 32,851,906 100.0%

Accounting policies and metho_2

Accounting policies and method of measurement (Policies)	12 Months Ended
	Dec. 31, 2021
Foreign currency transactions	a) Foreign currency transactions The financial statements are presented in Brazilian Reais, the functional and reporting currency of Banco Santander and its subsidiaries. The assets and liabilities and foreign subsidiary are converted to Real as follows: - Assets and liabilities are translated at the exchange rate at the balance sheets date. - Revenues and expenses are translated at the monthly average exchange rates. - Gain and losses on translation of net investment are recorded in the statement of comprehensive income, in “exchange rate of investees located abroad”.
Basis of consolidation	b) Basis of consolidation i. Subsidiaries “Subsidiaries” are defined as entities over which the Bank has control. Control is based on whether the Bank has: i) power over the investee; ii) exposure, or rights, to variable returns from its involvement with the investee; and iii) the ability to use its power over the investee to affect the amount of the returns, as set forth in the law, the Bylaws or agreement. Consolidation of a subsidiary begins when the Bank obtains control over the subsidiary and ceases when the Bank loses control of the subsidiary. Specifically, income and expense of a subsidiary acquired or disposed during the year are included in the consolidated income statement and other comprehensive income from the date the Bank gains controls until the date when the Bank ceases to control the subsidiary. Profit or loss and each component of Other Comprehensive Income are attributed to the owners of the Bank and to the non-controlling interests even if the effect is attributed to non-controlling interests. Total comprehensive income of subsidiaries is attributed to the owners of the Bank and to the non-controlling interest even if this generates a negative balance for non-controlling interests. All transactions, balances, income and expenses between the companies of the Santander Group are eliminated in the consolidated financial statements. Changes in the Santander Group’s interest in a subsidiary that do not result in loss of control are registered as equity transactions. Any difference between the amount by which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognized directly in equity and attributed to owners of the Company. When the Bank loses control of a controlled delivery, or the loss is recognized in the income statement and is the difference between: (i) the sum of the fair value of the deliveries received and the fair value of the residual interest; and (ii) the prior balance of assets (including goodwill) and liabilities of the subsidiary and non-equity interests, if any. All amounts previously recognized “Other Comprehensive Income” related to are accounted for as if the Bank had directly disposed of the corresponding assets or liabilities of the subsidiary (i.e., reclassified to income or transferred to another equity account, as mandatory or mandatory authorized by IFRS). The fair value of an investment held on the former date of loss of control is considered as the fair value on initial recognition for subsequent accounting under IFRS 9 Financial Instruments or, when applicable, recognition on initial recognition of an investment in an associate or joint venture. ii. Interests in joint ventures (jointly controlled entities) and associates Joint ventures mean interests in entities that are not subsidiaries but which are jointly controlled by two or more unrelated entities. This is evidenced by contractual arrangements whereby two or more entities (“ventures”) acquire interests in entities (jointly controlled entities) so that strategic financial and operating decisions affecting the joint venture require the unanimous consent of the ventures. Associates are entities over which the Bank is in a position to exercise significant influence (significant influence is the power to participate in the financial and operating decisions of the investee) but it does not control or has joint control over the investee. In the consolidated financial statements, interest in joint ventures and investments in associates are registered using the equity method, i.e. at the Bank’s share of net assets of the investee, after taking into consideration the dividends received from capital reductions and other related transactions. Relevant information regarding companies registered under the equity method by the Bank is provided in note 11. iii. Business combinations, acquisitions and disposals A business combination is the combination of two or more separate entities or economic units into one single entity or group of entities and is registered in accordance with IFRS 3 - “Business Combinations”. Business combinations are carried out so that the Bank obtains control over an entity and are recognized for accounting purposes as follow: • The Bank measures the cost of the business combination, defined as the fair value of the assets offered, the liabilities incurred and the equity instruments issued, if any. • The fair values of the assets, liabilities and contingent liabilities of the acquired entity or business, including any intangible assets which might not have been recognized by the acquiree, are estimated at the acquisition date and recognized in the consolidated financial statement. • The excess of the acquisition cost over the fair value of the identifiable net assets acquired are recognized as goodwill (note 13). The excess of fair value of the identifiable net assets over the acquisition cost is an advantageous purchase gain and it is recorded as income on the date of the acquisition. The note 3 includes a description of the most significant transaction carried out in 2021, 2020 and 2019. iv. Investment Funds These include investment funds in which the Santander Group companies hold a substantial interest or the entirety of the interests and are therefore exposed to, or have rights, to variable returns and have the ability to affect those returns through power over the fund, in accordance with IFRS 10 - Consolidated Financial Statements and are therefore, consolidated in these financial statements.
Definitions and classification of financial instruments	c) Definitions and classification of financial instruments i. Definitions “Financial instrument” is any contract that gives rise to a financial asset of one entity and, simultaneously, to a financial liability or financial interest of another entity. “Equity instrument” is any agreement that evidences a residual interest in the asset of the issuing entity after deducting all of its liabilities. “Financial derivative” is a financial instrument whose value changes in response to the change in an observable market variable (such as an interest rate, foreign exchange rate, financial instrument price, market index or credit rating), whose initial investment is zero or very small compared with other financial instruments with a similar response to changes in market factors, and which is settled at a future date. “Hybrid financial instruments” are contracts that simultaneously include a non-derivative host contract together with a derivative, known as an embedded derivative, that is not separately transferable and has the effect to make part of the cash flow of the hybrid contract vary similar to a stand-alone derivative. The following transactions are not treated for accounting purposes as financial instruments: • Investments in subsidiaries, jointly controlled entities and associates (note 3&11). • Rights and obligations under employee benefit plans (note 21). ii. Classification of financial assets for measurement purposes Financial assets are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as Assets held for sale or they relate to Cash, cash balances at Central Banks and other deposits on demand, Changes in the fair value of hedged items in portfolio hedges of interest rate risk (asset side), Hedging derivatives and Investments, which are reported separately. Financial assets are included for measurement purposes in one of the following categories: • Financial Assets Measured at Fair Value Through Profit or Loss Held for Trading: • Financial Assets Measured at Fair Value Through Profit or Loss: • Non-Trading Financial Assets Mandatorily Measured at Fair Value Through Profit or Loss: this • Financial Assets Measured at Fair Value Through Profit or Loss: Results arising from changes in fair value are recognized in the item adjustment to market value in equity, with the exception of impairment losses, which are recognized in profit or loss. When the investment is disposed of or has evidence of a decline in fair value due to non-recovery, the result previously accumulated in the account of adjustments to fair value in equity is reclassified to income. • Financial Assets Measured at Amortized Cost: iii. Classification of financial assets for presentation purposes Financial assets are classified by nature into the following headings in the consolidated financial statements: • Cash and balances with the Bacen: cash balances and balances receivable on demand relating to deposits with Bacen and credit institutions. • Financial Assets Measured At Amortized Cost: includes the debit balances of all credit and loans granted by the Bank, other than those represented by securities, as well as finance lease receivables and other debit balances of a financial nature in favor of the Bank, such as checks drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organized markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. • Loans and other amounts with credit institutions: credit of any nature in the name of financial institutions. • Loans and advances to clients: includes debit balances of all the remaining credit and loans granted by the Bank, including money market operations through centralized counterparties. • Debt instruments: bonds and other securities that represent a debt for their issuer, that generate an interest return, and that are in the form of certificates or book entries. • Equity instruments: Financial instruments issued by other entities, such as shares, which have the nature of equity instruments for the issuer, other than investments in subsidiaries, joint ventures or associates. Investment fund units are included in this item. • Trading derivatives: includes the fair value in favor of the Bank of derivatives which do not form part of hedge accounting. • Hedging derivatives: includes the fair value in favor of the Bank of derivatives designated as hedging instruments in hedge accounting. • Investments in associates and jointly controlled companies: includes the investments made in the share capital of associates and jointly controlled companies. iv. Classification of financial liabilities for measurement purposes Financial liabilities are classified for measurement purposes into one of the following categories: • Other Financial Assets At Fair Value Through Profit Or Loss: this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices, financial derivatives not designated as hedging instruments, and financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements ("reverse repos") or borrowed (short positions). • Other Financial Assets At Fair Value Through Profit Or Loss: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognizing the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group's key management personnel. • Financial liabilities at amortized cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions. v. Classification of financial liabilities for presentation purposes Financial liabilities are classified by nature into the following items in the consolidated financial statements: • Deposits from Bacen: deposits of any nature received from Bacen. • Deposits from credit institutions: deposits of any nature, including credit received and money market operations in the name of credit institutions. • Client deposits: includes deposits of any nature such as demand deposits, saving deposits and time deposits including money market operation received from client. • Marketable debt securities: includes the amount of bonds and other debt represented by marketable securities, other than subordinated liabilities. • Trading derivatives: includes the fair value, with a negative balance for the Bank, of derivatives which do not form part of hedge accounting. • Short positions: includes the amount of financial liabilities arising from the outright sale of financial assets purchased under reverse repurchase agreements or borrowed. • Subordinated liabilities: amount of financing received which, for the purposes of payment priority, ranks behind ordinary debt. This category also includes the financial instruments issued by the Bank which, although equity for legal purposes, do not meet the requirements for classification as equity. • Other financial liabilities: includes the amount of payment obligations having the nature of financial liabilities not included in other items, and liabilities under financial guarantee contracts, unless they have been classified as non-performing. • Hedging derivatives: includes the fair value of the Bank's liability in respect of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting. •Equity instruments: financial instruments issued by other entities, such as shares, with the nature of equity instruments for the issuer, except investments in subsidiaries, jointly controlled entities or associates.
Funding, debt notes issued and other liabilities	d) Funding, debt notes issued and other liabilities Funding debt rates and other liabilities Instruments are recognized initially at fair value, considered primarily as the transaction price. They are subsequently measured at amortized cost and its expenses are recognized as a financial cost. Among the liabilities initial recognition methods, it is important to emphasize those compound financial instruments which are classified as such due to the fact that the instruments contain both, a debt instrument (liability) and an embedded equity component (derivative). The recognition of a compound instrument consists of a combination of (i) a main instrument, which is recognized as an entity’s genuine liability (debt) and (ii) an equity component (derivative convertible into ordinary share). The issue of "Notes" must be registered in specific heading liabilities and updated according to the agreed rates and adjusted by the effect of exchange rate variations, when denominated in foreign currency. All remuneration related to these instruments, such as interest and Exchange variation (difference between the functional currency and the currency in which the instrument was named) shall be recognized as expenses for the period, according to the accrual basis. The relevant details of these issued instruments are described in explanatory note 19.
Measurement of financial assets and liabilities and recognition of fair value changes	e) Measurement of financial assets and liabilities and recognition of fair value changes In general, financial assets and liabilities are initially recognized at fair value which, in the absence of evidence to the contrary, is deemed to be the transaction price. Financial instruments not measured at fair value through profit or loss, are adjusted by the transaction costs. Financial assets and liabilities are subsequently measured at each period-end as follows: i. Measurement of financial assets Financial assets are measured at fair value, without deduction of estimated costs of transaction that may be incurred on their disposal, except for loans and receivables, held-to-maturity investments, equity instruments whose fair value cannot be determined in a sufficiently objective manner and financial derivatives that have as equity instruments subject and are settled by delivery of those instruments. The fair value of a financial instrument on a given date is taken to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it on an active, transparent and deep market (quoted price or market price). If there is no market price for a given financial instrument, its fair value is estimated on the basis of valuation techniques commonly used by the international financial community, according to the specific features of the instrument to be measured and, particularly, the various types of risk associated with it. All derivatives are recognized in the balance sheets at fair value from the trade date. If the fair value is positive, they are recognized as assets and if the fair value is negative, they are recognized as liabilities. The changes in the fair value of derivatives from the trade date are recognized in “Gains (losses) on financial assets and liabilities” in the consolidated income statement. Specifically, the fair value of standard financial derivatives included in the portfolios of financial assets or liabilities held for trading is deemed to be their daily quoted price and if, for exceptional reasons, the quoted price cannot be determined on a given date, these financial derivatives are measured using methods similar to those used to measure over the counter “OTC” derivatives. The fair value of OTC derivatives is taken to be the sum of the future cash flows arising from the instrument, discounted to present value at the date of measurement (“present value” or “theoretical close”) using valuation techniques commonly used by the financial markets: “net present value” (NPV), option pricing models and other methods. “Financial Assets Measured At Amortized Cost” and “Held-to-maturity investments” are measured at amortized cost using the effective interest method. “Amortized cost” is the acquisition cost of a financial asset or liability plus or minus, as appropriate, the principal repayments and the cumulative amortization (taken to the income statement) between the difference of the initial cost and the maturity amount. In the case of financial assets, amortized cost furthermore includes any reductions for impairment or uncollectibility. In the case of loans and receivables hedged in fair value hedges, the changes in the fair value of these assets related to the risk or risks being hedged are recognized. The “effective interest rate” is the discount rate that exactly matches the initial amount of a financial instrument to all its estimated cash flows of all kinds over its remaining life. For fixed rate financial instruments, the effective interest rate coincides with the contractual interest rate established on the acquisition date plus, where applicable, the fees and transaction costs that, because of their nature, form part of their financial return. In the case of floating rate financial instruments, the effective interest rate coincides with the rate of return prevailing in all connections until the next benchmark interest reset date. Equity instruments whose fair value cannot be determined in a sufficiently objective manner are measured at acquisition cost adjusted, where appropriate, by any related impairment loss. The amounts at which the financial assets are recognized represent, in all material respects, the Bank’s maximum exposure to credit risk at each reporting date. Also, the Bank has received collateral and other credit enhancements to mitigate its exposure to credit risk, which consist mainly of mortgage guarantees, cash collateral, equity instruments and personal security, assets leased out under leasing and renting agreements, assets acquired under repurchase agreements and securities loans and derivatives. ii. Measurement of financial liabilities In general, financial liabilities are measured at amortized cost, as defined above, except for those included under “Financial Assets Measured at Fair Value Through Profit or Loss” and “Other financial liabilities at fair value through profit or loss” and financial liabilities designated as hedge items (or hedging instruments) in fair value hedges, which are measured at fair value. iii. Recognition of fair value changes As a general rule, changes in the carrying amount of financial assets and liabilities are recognized in the consolidated income statement, distinguishing between those arising from the accrual of interest and similar items -which are recognized under “Interest and similar income” or “Interest expense and similar charges”, as appropriate - and those arising for other reasons, which are recognized at their net amount in the heading “Gains (losses) on financial assets and liabilities (net)”. Adjustments due to changes in fair value arising from Available-for-sale financial assets are recognized temporarily in equity in then heading “Other Comprehensive Income”. Items charged or credited to this account remain in the Bank’s consolidated equity until the related assets are written-off, whereupon they are charged to the consolidated income statement. iv. Hedging transactions The consolidated entities use financial derivatives for the following purposes: i) to provide these instruments to clients who request them in the management of their market and credit risks; ii) to use these derivatives in the management of the risks of the Bank entities' own positions and assets and liabilities (“hedging derivatives”); and iii) to obtain gains from changes in the prices of these derivatives (“financial derivatives”). Financial derivatives that do not qualify for hedge accounting are treated for accounting purposes as trading derivatives. A derivative qualifies for hedge accounting if all the following conditions are met: 1. The derivative hedges one of the following three types of exposure: a. Changes in the fair value of assets and liabilities due to fluctuations, among other, in the interest rate and/or exchange rate to which the position or balance to be hedged is subject (“fair value hedge”); b. Changes in the estimated cash flows arising from financial assets and liabilities, commitments and highly probable forecast transactions (“cash flow hedge”); c. The net investment in a foreign operation (hedge of a net investment in a foreign operation). 2. It is effective in offsetting exposure inherent in the hedged item or position throughout the expected term of the hedge, which means that: a. At the date of arrangement the hedge is expected, under normal conditions, to be highly effective (prospective effectiveness). b. There is sufficient evidence that the hedge was actually effective during the whole life of the hedged item or position (retrospective effectiveness). 3. There must be adequate documentation evidencing the specific designation of the financial derivative to hedge certain balances or transactions and how this effective hedge was expected to be achieved and measured, provided that this is consistent with the Bank’s management of own risks. The changes in value of financial instruments qualifying for hedge accounting are recognized as follows: a. In fair value hedges, the gains or losses arising on both the hedging instruments and the hedged items (attributable to the type of risk being hedged) are recognized directly in the consolidated income statement. b. In cash flow hedges, the effective portion of the change in value of the hedging instrument is recognized temporarily in equity under “Other comprehensive Income - Cash flow hedges” until the forecast transactions occur, when it is recognized in the consolidated income statement, unless, if the forecast transactions result in the recognition of non-financial assets or liabilities, it is included in the cost of the non-financial asset or liability. The ineffective portion of the change in value of hedging derivatives is recognized directly in the consolidated income statement. c. The ineffective portion of the gains and losses on the hedging instruments of cash flow hedges and hedges of a net investment in a foreign operation are recognized directly under “Gains (losses) on financial assets and liabilities (net)” in the consolidated income statement. If a derivative designated as a hedge instrument no longer meets the requirements described above due to expiration, ineffectiveness or for any other reason, the derivative is classified as a derivative measured at fair value through profit or loss. When fair value hedge accounting is discontinued (expired, sold our no longer meet hedge accounting criteria) the adjustments previously recognized on the hedged item are transferred to profit or loss at the effective interest rate re-calculated at the date of hedge discontinuation. The adjustments must be fully amortized at maturity. When cash flow hedges are discontinued, any cumulative gain or loss on the hedging instrument recognized in equity in the heading "Other comprehensive Income” (from the period when the hedge was effective) remains recognized in equity until the forecast transaction occurs at which time it is recognized in profit or loss, unless the transaction is no longer expected to occur, in which case any cumulative gain or loss is recognized immediately in profit or loss. For the accounting and disclosure of the hedge accounting structures as of December 31, 2019, the bank used the faculty of IFRS 9, to maintain the practices determined by IAS 39.
Settlement of financial assets and liabilities	f) Settlement of financial assets and liabilities Write-off of Financial Assets The Bank derecognizes a financial asset when the contractual rights to the cash flows from the asset expire or when it transfers the rights to receive the contractual cash flows in a transaction in which essentially all the risks and rewards of ownership of the financial asset are transferred or in which the Bank does not transfer or retain substantially all the risks and rewards of ownership of the financial asset and does not control the financial asset. On derecognition of a financial asset, the difference between the carrying amount of the asset (or carrying amount allocated to the portion of the asset derecognized) and the sum of (i) the consideration received (including any new asset obtained, less any new liability assumed) and (ii) any accumulated gains or losses recognized in “Other Comprehensive Income” are recorded in income. As of the IFRS opening date, mentioned above, any accumulated gains/losses recognized in “Other Comprehensive Income” in relation to equity instruments designated at fair value through Other Comprehensive Income are not recorded in income upon derecognition of these securities. The Bank carries out operations in which it transfers the assets recognized in its balance sheet, but retains all or substantially all the risks and benefits of the transferred assets or part of them. In these cases, the transferred assets are not written off. Examples of these operations include assignments of loan portfolios with recourse. In transactions in which the Bank does not retain or transfer substantially all the risks and rewards of ownership of a financial asset and controls the asset, the Bank continues to recognize the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. Write-off of Financial Assets by Assignment of Credit The accounting treatment of transfers of financial assets depends on the extent to which the risks and rewards associated with the transferred assets are transferred to third parties: 1. If the Bank transfers substantially all the risks and rewards to third parties-unconditional sale of financial assets, sale of financial assets under an agreement to repurchase them at their fair value at the date of repurchase, sale of financial assets with a purchased call option or written put option that is deeply out of the money, securitization of assets in which the transferor does not retain a subordinated debt or grant any credit enhancement to the new holders, and other similar cases, the transferred financial asset is derecognized and any rights or obligations retained or created in the transfer are recognized simultaneously. 2. If the Bank retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets under an agreement to repurchase them at a fixed price or at the sale price plus interest, a securities lending agreement in which the borrower undertakes to return the same or similar assets, and other similar cases, the transferred financial asset is not derecognized and continues to be measured by the same criteria as those used before the transfer. However, the following items are recognized: a. An associated financial liability, for an amount equal to the consideration received; this liability is subsequently measured at amortized cost. b. The income from the transferred financial asset not derecognized and any expense incurred on the new financial liability. 3. If the Bank neither transfers or retains substantially all the risks and rewards associated with the transferred financial asset - sale of financial assets with a purchased call option or written put option that is not deeply in or out of the money, securitization of assets in which the transferor retains a subordinated debt or other type of credit enhancement for a portion of the transferred asset, and other similar cases, the following distinction is made: a. If the transferor does not retain control of the transferred financial asset, the asset is derecognized and any rights or obligations retained or created in the transfer are recognized. b. If the transferor retains control, it continues to recognize the transferred financial asset for an amount equal to its exposure to changes in value and recognizes a financial liability associated with the transferred financial asset. The net carrying amount of the transferred asset and the associated liability is the amortized cost of the rights and obligations retained, if the transferred asset is measured at amortized cost, or the fair value of the rights and obligations retained, if the transferred asset is measured at fair value. Write-off of Financial Liabilities The Bank writes off a financial liability when its contractual obligations are extinguished, canceled or when they expire.
Offsetting of financial instruments	g) Offsetting of financial instruments Financial asset and liability balances are offset (i.e. reported in the consolidated balance sheets at their net amount) only if the Bank and their subsidiaries currently have a legally enforceable right to set off the recognized amounts and intend either to settle on a net basis, or to realize the asset and settle the liability simultaneously, as provided for in IFRS 7 / IAS 32, additionally the Bank has an agreement for the clearing and settlement of obligations under the National Financial System (SFN), signed with individuals and legal entities, whether or not members of the SFN, resulting in higher financial settlement guarantee, with the parties that have this modality of agreement. These agreements establish that payment obligations to Banco Santander arising from credit and derivative operations, in the event of default by the counterparty, will be offset against Banco Santander's payment obligations with the counterparty. The following table provides details of financial assets and liabilities subject to offsetting at December 31, 2021, 2020 and 2019: Thousand of reais 2021 Assets: Financial assets, gross Financial assets Financial assets Derivatives 21,575,848 (435,925) 21,139,923 Liabilities: Financial liabilities, gross Financial liabilities Financial liabilities Derivatives 25,054,906 (435,925) 24,618,981 Thousand of reais 2020 Assets: Financial assets, gross Financial assets Financial assets Derivatives 26,808,181 (560,666) 26,247,515 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 29,917,498 (560,666) 29,356,832 Thousand of reais 2019 Assets: Financial assets, gross Financial assets Financial assets Derivatives 19,279,829 (458,929) 18,820,900 Liabilities: Financial liabilities, gross Financial liabilities Financial liabilities Derivatives 21,264,072 (458,929) 20,805,143
Impairment of financial assets	h) Impairment of financial assets i. Definition A financial asset is considered impaired when there is objective evidence that events have occurred which: • Give rise to an adverse impact on the future cash flows that were estimated at the transaction date, in the case of debt instruments (loans and debt securities); • In the case of equity instruments, mean that their carrying amount may not be fully recovered. • Arising from the violation of terms of loans, and • During the Bankruptcy process. As a general rule, the adjustment of the value of the impaired financial instruments is recognized in the consolidated income statement for the period in which the impairment becomes evident, and the reversal, if any, of previously recognized impairment loss is recognized in the consolidated income statement for the period in which the impairment is reversed or reduced. ii. Debt instruments carried at amortized cost The amount of an impairment loss incurred for determination of the recoverable amount on a debt instrument measured at amortized cost is equal to the difference between its carrying amount and the present value of its estimated future cash flows (excluding future credit losses that have not been incurred) discounted the original effective interest rate of the financial asset (or the effective interest rate computed at initial recognition), and is presented as a reduction of the asset balance and recorded in income statements. In estimating the future cash flows of debt instruments the following factors are considered: • All the amounts that are expected to be obtained over the remaining life of the instrument, in this case, the provided guarantees. The impairment loss considers the likelihood of collecting accrued interest receivable. • The various types of risk to which each instrument is subject; and • The circumstances in which collections will foreseeably be made. These cash flows are subsequently discounted using the instrument's effective interest rate. Specifically, in regards to recoverable amount losses resulting from materialization of the insolvency risk of the obligors (credit risk), a debt instrument is impaired due to insolvency when there is evidence of a deterioration of the obligor's ability to pay, either because it is in arrears or for other reasons. The Bank has certain policies, methods and procedures for covering its credit risk arising from insolvency allocable to counterparties. These policies, methods and procedures are applied in the granting, in the examination and to document debt instruments, and contingent liabilities and commitments, the identification of their recoverable amount and the calculation of the amounts necessary to cover the related credit risk. The procedures applied in the identification, measurement, control and reduction of the exposure to credit risk, are based on an individual basis or grouped by similarity. • Clients with individual management: Wholesale clients, financial institutions and certain companies. Risk management is performed through an analysis complemented by tools to support the decision-making based in internal risk assessment. • Clients with standardized management: individuals and companies not classified as individual clients. Risk management models based on automated decision-making and risk assessment procedure, complemented, when the model is not comprehensive or accurate enough, by teams of analysts specialized in this type of risk. The credits related to clients standardized, are usually considered not recoverable when they have historical loss experience and delay greater than 90 days. Regarding the provision for impairment losses from credit risk, the Bank evaluates all loans. Loans are either individually or collectively evaluated for impairment. Loans accounted as amortized cost, which are not individually evaluated for impairment, are collectively evaluated for impairment, grouping them considering the similarity of risk. Loans individually evaluated for impairment are not included in balances that are collectively evaluated for impairment. To measure the impairment loss on loans individually evaluated for impairment, the Bank considers the conditions of the borrower, such as his economic and financial situation, level of indebtedness, ability to generate income, cash flow , management, corporate governance and quality of internal controls, payment history, industry expertise, contingencies and credit limits, as well as characteristics of assets, such as their nature and purpose, type, sufficiency and liquidity level guarantees and total amount of credit, as well as based on historical experience of impairment and other circumstances known at the moment of evaluation. To measure the impairment loss on loans collectively evaluated for impairment, the Bank segregates financial assets into groups considering the characteristics and similarity of credit risk, in other words, according to segment, the type of assets, guarantees and other factors associated as the historical experience of impairment and other circumstances known at the time of assessment. In some cases, the observable data required to estimate the amount of an impairment loss on a financial asset may be limited or no longer fully relevant to current circumstances. In such cases, an entity uses its experienced judgment to estimate the amount of any impairment loss. Similarly, an entity uses its experienced judgment to adjust observable data for a group of financial assets to reflect current circumstances. The impairment loss is calculated by using statistical models that consider the following factors: • Exposure at default (EAD) is the amount of risk exposure at the date of default by the counterparty. The timing of default is considered in the PD measurement. • In accordance with IFRS, the exposure at default used for this calculation is the current exposure, as reported in the balance sheets. • Probability of default, or “PD”, is the probability of the borrower failing to meet its principal and/or interest payment obligations. PD is measured using a time horizon of one year; that is, it quantifies the probability of the borrower default in the coming year. A loan will be defaulted if either the principal or interest become past due by ninety days or more or the loan is active but there are doubts about the solvency of the counterparty (subjective doubtful assets). • Loss is given default, or “LGD”, is the loss arising in the event of default. LGD calculation is based on the net charge offs on defaulted loans, considering the guarantees/collateral associated with the loans, the income and expenses associated with the recovery process and the timing of default. • Loss identification period, or "LIP - Loss identification period", is the period of time between the occurrence of a loss event and the identification of evidence of such loss. In other words, it represents the time horizon from the occurrence of the credit loss to the effective confirmation of such loss. • In addition, prior to loans be written-off (which is only done after the Bank have completed all recovery efforts and after about 360 days late), it is registered fully provision of the loan´s remaining balance so this provision (allowance for loan losses) fully covers the losses. Thus, the Bank that its loan loss allowance methodology has been developed to meet its risk metrics and capture loans that could potentially become impaired. iii. Debt or equity instruments classified as financial assets measured at fair value through other comprehensive income The difference between the amortized cost and fair value of debt or equity instruments classified as available for sale are recorded in equity under "Other Comprehensive Income." When there is objective evidence that the aforementioned differences are due to a prolonged decline in fair value, they are no longer recognized in equity and are reclassified, at the cumulative amount at that date, to the consolidated income statement. Losses from a prolonged decline in fair value relating to an investment in equity instruments are not reversed in subsequent periods.
Repurchase agreements	i) Repurchase agreements Purchases (sales) of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognized in the consolidated financial statements as financing granted (received), based on the nature of the debtor (creditor), under Loans and advances with Bacen, Loans and advances to credit institutions or Loans and advances to clients (Deposits from Bacen, Deposits from credit institutions or Client deposits). Differences between the purchase and sale prices are recognized as interest over the duration of the contract.
Accounting for leases	j) Accounting for leases As of January 1, 2019, the Bank adopted IFRS 16, which replaces IAS 17. I. Lease Identification Upon adoption of IFRS 16, the Bank recognizes lease liabilities, following the principles of IFRS 16 - Leases. The following exemptions from recognition are also being used: • Accounting for leases with a remaining term of less than 12 months as at 1 January 2019 as short-term leases; • Accounting for leases where the underlying asset is of low value; • Until January 1, 2019, leases of fixed assets, in which the Bank, as lessee, held substantially all the risks and rewards of ownership were classified as leases. The balances shown are immaterial. The Bank leases several properties and equipment. Predominantly, the assets subject to the lease agreements are real estate business related to the branches. Banco Santander does not have right-of-use assets that meet the definition of investment properties. II. Lease Term Lease agreements are individually formalized, analyzed and renegotiated and contain a wide range of different terms and conditions. The Bank assesses the term of the contract, as well as the intention to remain in the properties. Thus, time estimates may vary according to contractual conditions, considering extension options, and also according to legal provisions. The Bank assumes that the fines for contractual termination charged before the due date do not make up a significant portion. Lease agreements does not contain restrictive clauses, but leased assets cannot be used as collateral for loans. III. Initial Measurement On their initial recording, leases are recognized as a right-of-use asset and a corresponding liability on the date the leased asset becomes available for use by the Group. The right of use to be recorded is measured at cost as a contra entry to the lease liability that represents the present value of lease payments that are not made to date. Lease payments are discounted using the lessee's incremental borrowing rate. There is no onerous contract that required an adjustment to the rights of use to be recorded as assets on the date of first-time adoption. Rights of use are measured at amortized cost in accordance with the following: • The initial measurement value of the lease liability; • Any lease payments made before or on the commencement date less any incentive received; • Any directly attributable upfront cost; and • Restoration costs, if the requirements of IAS 37 are met for recording Provisions, Contingent Liabilities and Contingent Assets. Grupo Santander uses as an incremental rate the interest rate it would have to pay when borrowing the funds necessary to obtain the asset with a value similar to the asset subject to the lease, for a term, guarantee and similar economic scenarios, represented in Santander Brasil, by the curve cost of funding (funding) of a free asset, applied individually to each contract in accordance with the estimates projected as the lease term. Lease liabilities include the net present value of the following lease payments: • Reduced fixed payments of any incentive; • Variable payments that are based on a rate or index; • Amounts expected to be paid by the lessee based on the residual value of guarantees; • The exercise price of a call option, if the lessee has reasonable certainty about exercising the option; and • Payment of penalties for terminating the lease if the term of the transaction reflects the exercise of the option by the lessee. Lease liabilities are mainly adjusted for inflation (IGP-M), whose estimated projections on the base date of December 31, 2021 are presented below: IGP-M Projection (annual) Until 3 months 17.8% From 3 to 12 months 6.6% From 1 to 3 years 3.5% From 3 to 5 years 3.5% More than 5 years 3.5% IV. Subsequent Measurement After the initial measurement, the values ​​of the assets recorded as right of use are being updated using the cost method, thus any accumulated depreciation is deducted monthly, in accordance with the criteria of IAS 16 / CPC 27 - Fixed Assets on asset depreciation right of use and corrected any remeasurement of the lease liability, where applicable. The lease liability initially recorded is updated monthly by increasing the amount of the liability for the interest portion of each lease agreement and reducing the amount of monthly lease payments and corrected for any lease remeasurement, when applicable. The lease liability is remeasured, in the event of changes in the lease term or contract value, the amount resulting from the new determination of the lease liability is recorded as a contra entry to the corresponding right-of-use asset. The effects of the adoption of IFRS 16 have an impact exclusively on the operating segment – ​​Commercial Banking.
Description of accounting policy for non-current assets or disposal groups classified as held for sale [text block]	k) Assets held for sale “Assets held for sale” includes the carrying amount of individual items or disposal groups or items forming part of a business unit earmarked for disposal (“Discontinued operations”), whose sale in their present condition is highly probable and is expected to occur within one year, the property or other assets received by the consolidated entities as total or partial settlement of their debtors' payment obligations to them are deemed to be assets held for sale through the completion of actions which normally occurs up to one year. Assets held for sale are measured at the lower of fair value less costs to sell and their carrying amount at the date of classification in this category. These assets held for sale are not depreciated. Impairment losses on an asset or disposal group arising from a reduction in its carrying amount to its fair value (less costs to sell) are recognized in the heading “Gains (losses) on disposal and expenses of assets held for sale not classified as discontinued operations” in the consolidated income statement. The gains on asset held for sale resulting from subsequent increases in fair value (less costs to sell) increase its carrying amount and are recognized in the consolidated income statement up to an amount equal to the impairment losses previously recognized.
Residual maturity periods and average interest rates	l) Residual maturity periods and average interest rates The analysis of the maturities of the balances of certain items in the consolidated financial statements at December 31, 2021, 2020 and 2019
Tangible assets	m) Tangible assets “Tangible assets” includes the amount of buildings, land, furniture, vehicles, computer hardware, right-of-use of assets and other fixtures owned by the Bank, including tangible assets received by the Bank in full or partial satisfaction of financial assets representing receivables from third parties which are intended to be held for continuing use and tangible assets acquired under finance leases are presented at acquisition cost, less the related accumulated depreciation and any impairment losses (net carrying amount higher than recoverable amount). Depreciation is calculated, using the straight-line method, on the basis of the acquisition cost of the assets less their residual value. The land on which the buildings and other structures are located has an indefinite life and, therefore, it is not depreciated. The Depreciation expense on tangible assets is recognized in the consolidated statement of income and is basically calculated using the following depreciation rates (based on the average years of estimated useful lives of the different assets): Annual Buildings for own use 4% Furniture 10% Fixtures 10% Office and IT equipment 20% Leasehold improvements 10% or up to contractual maturity The Bank assesses at end of each reporting period, if there is indication that the items of tangible assets carrying amount may be impaired, that is if there is an asset with its carrying amount bigger than its recoverable amount, either for u Once an impairment loss of tangible assets is identified, it is adjusted to reach its recoverable amount by recognizing an impairment loss recorded in the heading "Impairment loss on other assets (Net)". Additionally, the value of depreciation of that asset is recalculated in order to adjust the value of the life of the asset. In case of evidence or indication of a recovery of a tangible asset value, the Bank recognizes the reversal of the impairment loss amount recorded in prior years and should adjust the future depreciation expenses according to the lifetime value of the asset. Under no circumstance, a reversal of impairment loss of an asset will increase its carrying amount higher than the amount that it would have had no impairment loss been recognized in prior years. Upkeep and maintenance expenses relating to property, plant and equipment for own use are recognized as an expense in the period in which they are incurred.
Intangible assets	n) Intangible assets Intangible assets are identifiable non-monetary assets (separable from other assets) without physical substance which arise as a result of a legal transaction or software development. Only assets whose cost can be estimated reliably and from which the consolidated entities consider it probable that future economic benefits will be generated are recognized. Intangible assets are recognized initially at acquisition or production cost and are subsequently measured deducting any accumulated amortization and any accumulated impairment losses. i. Goodwill In the acquisition and/or merger of investment in subsidiary, any difference between the investment cost and the investor's share in net fair value of assets, liabilities and contingent liabilities of the investee (subsidiary or affiliate) is accounted for in accordance with IFRS 3 "Business Combination ". Goodwill is only recognized when it has been acquired for consideration and represents, therefore, a payment made by the acquirer in anticipation of future economic benefits from assets of the acquired entity that are not capable of being individually identified and separately recognized. At the end of each annual reporting period or whenever there is any indication of impairment goodwill is reviewed for impairment (i.e. a reduction in its recoverable amount to below its carrying amount) and, if there is any impairment, the goodwill is written down with a charge to Impairment on non financial assets (net) - Intangible assets in the consolidated income statement. The net fair value adjustments of assets, liabilities and contingent liabilities of the investee in relation to their carrying amount are allocated to individual identifiable assets acquired and liabilities assumed that comprise them based on their respective fair values ​​at the date of purchase. In the case of a business combination made in stages, prior interest in the acquired is measured again at fair value at the acquisition date when control of the acquired is obtained. ii. Other intangible assets Other intangible assets are non-monetary assets without physical substance. Generally arising from software development and acquisition of rights that can generate benefits for the Bank. They can have characteristics of definite or indefinite period. Other intangible assets can have an indefinite useful life -when, based on an analysis of all the relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash inflows for the consolidated entities- or a finite useful life, in all other cases. Intangible assets with indefinite useful lives are not amortized, but rather at the end of each reporting period or whenever there is any indication of impairment the consolidated entities review the remaining useful lives of the assets in order to determine whether they continue to be indefinite and, if this is not the case, to take the appropriate steps. Intangible assets with finite useful lives are amortized over those useful lives using methods similar to those used to depreciate tangible assets. The amortization expense is recognized under "Depreciation and amortization" in the consolidated income statement. The Bank assesses at the end of each period, if there is any indication that the items of intangible assets may present an impairment loss, i.e. an asset that presents the carrying amount higher than the net realizable value. After identifying any reduction in impairment loss, it is adjusted to reach its fair value. Measurement of the recoverable amount of other intangible assets - software is made based on the value in use, as well as the analysis of the discontinuity of the asset in relation to the activities of the Bank. Expenditures for acquisition and development of software are amortized over a maximum period of 5 year
Other assets	o) Other assets Other Assets include the balances of all prepayments and accrued income (excluding accrued interest), acquired client list, the net amount of the difference between pension plan obligations and the fair value of the plan assets with a balance on the entity’s behalf, when this net amount shall be disclosed in the consolidated financial statements, and the amount of any other assets not included in other items. The Bank uses the value in use of client relationship as a basis for measuring the impairment since it is not reasonably possible to determine the net value of sales, because there is no basis for making a reliable estimate of the value to be obtained by selling the asset in a transaction at cumulative basis, between knowledgeable, willing parties. The value in use of client lists acquired related to the purchase of the "payroll" will be determined individually. An analysis that aims to demonstrate the expectation of generating future economic benefit and the present value of expected cash flows is prepared by the business areas. Quarterly, these analyses are reviewed based on the actual cash flows of each business (value in use), which are compared with the carrying amount, checking whether there is a need to record a loss on non-recoverability.
Liabilities for insurance contracts	p) Liabilities for insurance contracts The liabilities for insurance contracts are comprised substantially by actuarial provisions for current and future benefits (PMBaC and PMBC). Insurance contracts are contracts under which the Bank accepts a significant risk, other than a financial risk, from a policyholder by agreeing to compensate the beneficiary on the occurrence of an uncertain future event by which the policyholder will be adversely affected. Insurance liabilities are recognized when the contract is entered into and the premiums are charged. Contracts that have been classified as insurance are not reclassified subsequently. The liability is derecognized when the contract expires or is cancelled. All valuation methods used by the subsidiaries are based on the general principle that the carrying amount of the net liability must be sufficient to meet any reasonably foreseeable obligation resulting from the insurance contracts. Investment assumptions are either determined by the local regulator and based on management’s future expectations. In the later case, the anticipated future investment yield is set by management, considering the available market information and economic indicators. A significant assumption related to estimated gross profits on variable annuities, is the annual long-term growth rate of the underlying assets. At each financial statement date an assessment is made in order to verify whether the actuarial provisions are adequate. In the years ended December 31, 2021, 2020 and 2019 At December 31, 2021 209,277 12/31/2020 285,554 12/31/2019 357,539
Provisions for legal and administrative proceedings, commitments and other provisions	q) Provisions for legal and administrative proceedings, commitments and other provisions Banco Santander and its subsidiaries are involved in lawsuits and administrative proceedings related to tax, labor and civil, in the normal course of their activities. The provisions include legal obligations, lawsuits and administrative proceedings related to tax and social security obligations, whose object is to challenge their legality or constitutionality, regardless of the assessment that the probability of success, the amounts are fully recognized in the financial statements. Provisions are reviewed at each financial statement date and adjusted to reflect the current best estimate and may be fully or partially reversed or reduced when the outflows of resources and obligations relevant to the process are no longer probable, including decay of legal deadlines, among others. Provisions for the lawsuits and administrative proceedings are recorded when their risk of loss is considered probable and the amounts can be reliably measured, based on the nature, complexity and history of lawsuits, the legal opinion of the internal and external advisors, based on the best available information. For those lawsuits for which the risk of loss is possible, are not recorded and the information is disclosed in the financial statements and for the lawsuits for which the risk of loss is remote, no disclosure is required. Contingent assets are not recognized, except when there are guarantees or favorable lawsuits decisions, about which features no longer fit, characterizing the gain as practically certain. Assets with probable success, if any, are only disclosed in the financial statements. On the favorable decisions to Santander, the counterparty has the right, in the event of specific legal requirements, to file a rescission lawsuit within a period determined by current legislation. Rescission lawsuits are considered as new events and will be evaluated for contingent liability purposes if and when they are filed.
Other liabilities	r) Other liabilities “Other liabilities” includes the balance of all accrued expenses and deferred income, excluding accrued interest, and the amount of any other liabilities not included in other categories.
Share-based compensation	s) Share-based compensation The Bank has long-term compensation plans with vesting conditions. The main vesting conditions are: (1) service conditions, since it is necessary that the participant continues to be employed by the Bank during the term of the Plan for his rights to vest; (2) performance conditions, since the number of Units that ultimately vest will be determined according to the result of certain performance parameter of the Bank, such as: total Shareholder Return (TSR) and may be reduced in case of failure to achieve the goals of reducing the Return on Risk Adjusted Capital (RORAC), comparison between actual and budget in each year, as determined by the Board of Directors and (3) market conditions, since some parameters are linked to the market price of the Bank´s shares. The Bank measures the fair value of the services rendered by reference to the fair value of the equity instruments granted at the grant date, considering the market conditions for each plan when estimating the fair value. Settlement in shares The Bank measures the fair value of the services received by reference to the fair value of the equity instruments granted at the grant date, considering the market conditions for each grant when estimating the fair value. In order to recognize the personnel expenses against equity reserves throughout the vesting period, as the services are received, the Bank considers the treatment of service conditions and recognize the amount for the services received during the vesting period based on the best available estimate of the number of equity instruments expected to vest. Semi-annually, the Bank reviews the estimate of the number of equity instruments expected to vest. Settlement in cash For cash-settled share-based compensation (in the form of share appreciation rights), the Bank measures the fair value of services rendered and the corresponding liability incurred, based on the fair value of the share appreciation rights at the grant date and until the liability is settled. The Banks remeasures the fair value of the liability at the end of each reporting period and at the date of settlement, with any changes in fair value recognized in profit or loss for the period. In order to recognize the personnel expenses against a provision in “other liabilities” throughout the vesting period, reflecting the period as the services are received, the Bank bases the total liability on the best estimate of the number of share appreciation rights that will vest at the end of the vesting period and recognizes the amount for the services received during the vesting period based on such best available estimate. Periodically, the Bank reviews such estimate of the number of share appreciation rights that will vest at the end of vesting period.
Recognition of income and expenses	t) Recognition of income and expenses The most significant criteria used by the Bank to recognize its income and expenses are summarized as follows: i. Interest income, interest expenses and similar items Interest income, interest expenses and similar items are generally recognized on an accrual basis using the effective interest method. ii. Commissions, fees and similar items Fees and commission income and expenses are recognized in the income statement using criteria that vary according to their nature (note 34). The main criteria are as follows: • Fee and commission income and expenses relating to financial assets and financial liabilities measured at fair value through profit or loss are recognized when paid; • Those arising from transactions or services that are performed over a period of time are recognized over the life of these transactions or services; and • Those relating to services provided in a single act are recognized when the single act has been performed. iii. Non-financial income and expenses These are recognized for accounting purposes on an accrual basis. iv. Deferred collections and payments These are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates. v. Loan arrangement fees Loan arrangement fees, mainly loan origination and application fees, are accrued and recognized in the income statement over the term of the loan. In the case of loan origination fees, the portion relating to the associated direct costs incurred in the loan arrangement is recognized immediately in the consolidated income statement.
Guarantees	u) Guarantees v.1) Financial guarantees “Financial guarantees” are defined as contracts whereby an entity undertakes to make specific payments for a third party if the latter does not do so, irrespective of the various legal forms they may have, such as guarantees, irrevocable documentary credits issued or confirmed by the entity, among others. The Bank initially recognizes the commission of the financial guarantees as liability in the consolidated financial statements at fair value, which is generally the present value of the fees, commissions and similar interest receivable from these contracts over their term. Financial guarantees, regardless of the guarantor, type of instrument or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments measured at amortized cost. The provisions made for these transactions are recognized in the heading “Provisions - Provisions for contingent liabilities, commitments and other provisions” in the consolidated financial statements (note 22). If a specific provision is required for financial guarantees, the related unearned commissions are recognized in the heading “Financial liabilities at amortized cost – Other financial liabilities” in the consolidated financial statements are reclassified to the appropriate provision. v.2) Guarantees and Credit Risk Mitigation Policy Banco Santander controls the credit risk using the collateral in its operations. Each business unit is responsible for credit risk management and formalizes the use of collateral in its lending policies. Banco Santander uses guarantees in order to increase its ability to recover operations subject to credit risk. The guarantees can be fiduciary, real, legal structures with power mitigation and compensation agreements. Annually the bank reviews its guarantees policies to capture changes in the market, in the characteristics of the assets given as guarantees and the conditions of the assets, these are examples of technical parameters reviewed. Credit limits are continually monitored and changed in client behavior function. Thus, the potential loss values represent a fraction of the amount available.
Assets under management and investment and pension funds managed by the Bank	v) Assets under management and investment and pension funds managed by the Bank Assets owned by third parties and managed by the consolidated entities are not presented in the consolidated financial statements. Management fees are included in “Fee and commission income” in the consolidated income statement. Note 43-b contains information on the third-party assets managed by the Bank. The investment funds and pension funds managed by the consolidated entities are not recorded in the consolidated financial statements since the related assets are owned by third parties. The fees and commissions earned in the year for the services rendered by the Bank entities to these funds (asset management and custody services) are recognized in the heading “Fee and commission income” in the consolidated income statement.
Post-employment benefits	w) Post-employment benefits Post-employment benefit plans include the commitments of the Bank: (i) addition to the benefits of public pension plan; and (ii) healthcare in case of retirement, permanent disability or death for those employees, and their direct beneficiaries. Defined contribution plans Defined contribution plans are the post-employment benefit plan which the Bank, and its subsidiaries, as the sponsoring entity pays fixed contributions into a pension fund, not having a legal or constructive obligation to pay further contributions if the fund does not hold sufficient assets to pay all benefits relating to services provided in the current and in previous periods. The contributions made are recognized in the heading "Interest Expense and Similar Charges" in the income statement. Defined benefit plans Defined benefit plan is the post-employment benefit plan which is not a defined contribution plan and is shown in Note 21. For this type of plan, the sponsoring entity's obligation is to provide the benefits agreed with the former employees, assuming the potential actuarial risk that benefits will cost more than expected. For defined benefit plan, the amendment of IAS 19 established fundamental changes in the accounting for and disclosure of employee post-employment benefits such as removing the corridor approach in the accounting for the obligation of the plans, as well as changes in the criteria for recognition of conventional interest of plan assets (valuation based on the discount rate actuarial liability). In addition, there is full recognition in liabilities heading of actuarial losses (actuarial deficit) not recognized previously when they occur, which its counterparty is a heading in the stockholders’ equity (Other Comprehensive Income). Main Definitions - The present value of the defined benefit obligation is the present value without any deduction from the plan assets, of expected future payments required to settle the obligation resulting from employee service in the current and past periods. - Deficit or surplus is: (a) the present value of the defined benefit obligation, less (b) the fair value of plan assets. - The sponsoring entity may recognize the plan assets in the financial statements when they meet the following characteristics: (i) the fund assets are sufficient to meet all employee benefit plan or the sponsor obligations; or (ii) the assets are returned to the sponsoring entity in order to reimburse it for employee benefits already paid. - Actuarial gains and losses correspond to changes in the present value of defined benefit obligation resulting from: (a) adjustments by experience (the effects of differences between the actuarial assumptions adopted and what has actually occurred); and (b) effects of changes in actuarial assumptions. - Current service cost is the increase in the present value of the defined benefit obligation resulting from employee service provided in the current period. - The past service cost is the change in present value of defined benefit obligation for employee service provided in prior periods resulting from a change in the plan or reductions in the number of employees covered. Post-employment benefits are recognized in income in the headings "Interest expense and similar Charges" and "Provisions (net)". The defined benefit plans are recorded based on an actuarial study, conducted annually by an external consulting firm, at the end of each year to be effective for the subsequent period.
Other long-term employee benefits	x) Other long-term employee benefits “Other long-term employee benefits”, defined as obligations to early retirees considered as those who have ceased to render services at the entity but who, without being legally retired, continue to have economic rights relating to the entity until they acquire the legal status of retiree, long-service bonuses, obligations for death of spouse or disability before retirement that depend on the employee's length of service at the entity and other similar items, are treated for accounting purposes, where applicable, as established above for defined benefit post-employment plans, except that all past service costs and actuarial gains and losses are recognized immediately (note 21).
Termination benefits	y) Termination benefits Termination benefits are recognized when there is a detailed formal plan identifying the basic changes to be made, provided that implementation of the plan has begun, its main features have been publicly announced or objective facts concerning its implementation have been disclosed.
Income taxes (IRPJ), Social Contribution (CSLL), Social Integration Program (PIS) and Tax for Social Security Financing (COFINS)	z) Income taxes (IRPJ), Social Contribution (CSLL), Social Integration Program (PIS) and Tax for Social Security Financing (COFINS) The income tax expense is obtained by adding the Income Tax, Social Contribution, PIS and COFINS. Current Income Tax and Social Contribution arise from the application of the respective rates on taxable income, and the PIS and COFINS rates applied on the respective calculation base provided for in the specific legislation, also added to the changes in deferred tax assets and liabilities recognized in the consolidated income statement. The CSLL rate, for banks of any kind, was raised from 15% to 20%, effective as of March 1, 2020, pursuant to article 32 of Constitutional Amendment 103, published on November 13, 2019. The IRPJ charge is calculated at the rate of 15%, plus a surcharge of 10%, applied on profit, after making the adjustments determined by tax legislation. The CSLL is calculated at the rate of 15% for financial institutions and legal entities of private insurance and capitalization and 9% for other companies, levied on profit, after considering the adjustments determined by tax legislation. The CSLL rate for banks of any kind, financial institutions, private insurance companies and capitalization companies (financial sector companies) was increased by 5% for the base period between July 1, 2021 and 31 December 2021, pursuant to Law 14,183/2021 (result of the conversion into the Provisional Measure Law (MP) 1,034/2021). The expense for corporate income tax is recognized in the consolidated income statement, except when it results from a transaction recognized directly in equity, in which case the tax effect is also recognized in equity. The current income tax expense is calculated as the sum of the current tax resulting from application of the appropriate tax rate to the taxable profit for the year (net of any deductions allowable for tax purposes), and of the changes in deferred tax assets and liabilities recognized in the consolidated income statement. Tax assets classified as "Current" are amounts of tax to be recovered within the next twelve months. Tax liabilities includes the amount of all tax liabilities (except provisions for taxes), which are broken down into “current” amount payable in respect of the income tax on the taxable profit for the year and other taxes in the next twelve months. Deferred tax assets and liabilities include temporary differences, which are identified as the amounts expected to be payable or recoverable on differences between the carrying amounts of assets and liabilities and their related tax bases, and tax loss and tax credit carry forwards. These amounts are measured at the tax rates that are expected to apply in the period when the asset is realized or the liability is settled. Deferred tax assets are only recognized as temporary differences to the extent that it is considered probable that the consolidated entities will have sufficient future taxable profits against which the deferred tax assets can be utilized, and the deferred tax assets do not arise from the initial recognition (except in a business combination) of other assets and liabilities in a transaction that affects neither taxable profit or accounting profit. Other deferred tax assets (tax loss and tax credit carry forwards) are only recognized if it is considered probable that the consolidated entities will have sufficient future taxable profits against which they can be utilized. Due to the change in social contribution tax rate, the group companies made the remeasurement of tax credit assets and deferred liabilities at the rates applicable to the period in which estimates the realization of assets and settlement of liabilities. Income and expenses recognized directly in stockholders equity are accounted as temporary differences. The deferred tax assets and liabilities recognized are reassessed at each financial statement date in order to ascertain whether they still exist, and the appropriate adjustments are made on the basis of the findings of the analyses performed. Under the current regulation, the expected realization of tax credits is based on the Bank's projections of future results and on technical analysis of the realization of the temporary differences, as shown in note 23. • aa ) Consolidated cash flow statements The following terms are used in the consolidated cash flow statements with the following meanings: • Cash flows: inflows and outflows of cash and cash equivalents, which are short-term, highly liquid investments that are subject to an insignificant risk of changes in value and original maturity of three months or less. • Operating activities: the primary revenue-generating activities of credit institutions and other activities that are not investing or financing activities. • Investing activities: the acquisition and disposal of long-term assets and other investments not included in cash and cash equivalents. • Financing activities: activities that result in changes in the size and composition of the equity and liabilities that are not operating activities. In preparing the consolidated cash flows statement, the high liquidity investments with insignificant risk of changes in their values were classified as "Cash and cash equivalents". The Bank classifies as cash and cash equivalents balances recorded in the headings "Cash" and "Loans and amounts due from credit institutions" in the consolidated financial statements, except restricted resources and long-term transactions. The interest paid and received correspond to operating activities of Banco Santander.

Accounting policies and metho_3

Accounting policies and method of measurement (Tables)	12 Months Ended
	Dec. 31, 2021
The following table provides details of financial assets and liabilities subject to offsetting at December 31, 2021, 2020 and 2019:	The following table provides details of financial assets and liabilities subject to offsetting at December 31, 2021, 2020 and 2019: Thousand of reais 2021 Assets: Financial assets, gross Financial assets Financial assets Derivatives 21,575,848 (435,925) 21,139,923 Liabilities: Financial liabilities, gross Financial liabilities Financial liabilities Derivatives 25,054,906 (435,925) 24,618,981 Thousand of reais 2020 Assets: Financial assets, gross Financial assets Financial assets Derivatives 26,808,181 (560,666) 26,247,515 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 29,917,498 (560,666) 29,356,832 Thousand of reais 2019 Assets: Financial assets, gross Financial assets Financial assets Derivatives 19,279,829 (458,929) 18,820,900 Liabilities: Financial liabilities, gross Financial liabilities Financial liabilities Derivatives 21,264,072 (458,929) 20,805,143
Lease liabilities are mainly adjusted for	Lease liabilities are mainly adjusted for inflation (IGP-M), whose estimated projections on the base date of December 31, 2021 are presented below: IGP-M Projection (annual) Until 3 months 17.8% From 3 to 12 months 6.6% From 1 to 3 years 3.5% From 3 to 5 years 3.5% More than 5 years 3.5%
The Depreciation expense on tangible assets	The Depreciation expense on tangible assets is recognized in the consolidated statement of income and is basically calculated using the following depreciation rates (based on the average years of estimated useful lives of the different assets): Annual Buildings for own use 4% Furniture 10% Fixtures 10% Office and IT equipment 20% Leasehold improvements 10% or up to contractual maturity

Basis of consolidation (Tables)

Basis of consolidation (Tables)	12 Months Ended
	Dec. 31, 2021
Below are highlighted the controlled entities and investment funds included in the consolidated financial statements of Banco Santander. Similar information regarding companies accounted by the equity method by the Bank is provided	Below are highlighted the controlled entities and investment funds included in the consolidated financial statements of Banco Santander. Similar information regarding companies accounted by the equity method by the Bank is provided Quantity of Shares or Quotas Owned (in Thousands) 12/31/2021 Investments Activity Common Shares and Quotas Preferred Shares Direct Participation Consolidated Participation Controlled by Banco Santander Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. Recovery of Defaulted Credits 2,142,011 - 100.00% 100.00% Aymoré Crédito, Financiamento e Investimento S.A. (Aymoré CFI) Financial 2,877 - 100.00% 100.00% BEN Benefícios e Serviços S.A. (BEN Benefícios) Other Activities 90,000 - 100.00% 100.00% Esfera Fidelidade S.A. Other Activities 10,001 - 100.00% 100.00% GIRA - Gestão Integrada de Recebíveis do Agronegócio S.A. Tecnology 381 - 80.00% 80.00% Rojo Entretenimento S.A. Other Activities 7,417 - 94.60% 94.60% Sanb Promotora de Vendas e Cobrança Ltda. Other Activities 30,988 - 100.00% 100.00% Sancap Investimentos e Participações S.A. (Sancap) Holding 23,538,159 - 100.00% 100.00% Santander Brasil Administradora de Consórcio Ltda. (Santander Brasil Consórcio) Buying Club 436,441 - 100.00% 100.00% Santander Corretora de Títulos e Valores Mobiliários S.A. (Santander CCVM) Broker 14,067,640 14,067,640 99.99% 100.00% Santander Corretora de Seguros, Investimentos e Serviços S.A. (Santander Corretora de Seguros) Other Activities 7,184 - 100.00% 100.00% Santander Holding Imobiliária S.A. Holding 558,601 - 100.00% 100.00% Santander Leasing S.A. Arrendamento Mercantil (Santander Leasing) Leasing 164 - 100.00% 100.00% F1RST Tecnologia e Inovação Ltda. Other Activities 196,979 - 100.00% 100.00% Paytec Tecnologia em Pagamentos Ltda. Other Activities 348 - 100.00% 100.00% SX Negócios Ltda. Other Activities 75,050 - 100.00% 100.00% Controlled by Aymoré CFI Bank PSA Bank 105 - 0.00% 50.00% Bank Hyundai Capital Brasil S.A. Bank 150,000 - 0.00% 50.00% Solutions 4Fleet Other Activities 328 - 0.00% 80.00% Controlled by Santander Leasing Bank Bandepe S.A. Bank 3,589 - 0.00% 100.00% PI Distribuidora de Títulos e Valores Mobiliários S.A. Leasing 348 - 0.00% 100.00% Controlled by Sancap Santander Capitalização S.A. (Santander Capitalização) Capitalization 64,615 - 0.00% 100.00% Evidence Previdência S.A. Private Pension 42,819,564 - 0.00% 100.00% Controlled by Santander Holding Imobiliária S.A. Summer Empreendimentos Ltda. Other Activities 17,084 - 0.00% 100.00% Apê11 Tecnologia e Negócios Imobiliários S.A. Other Activities 3,808 - 0,00% 90,00% Controlled by Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. Return Capital Serviços de Recuperação de Créditos S.A. Collection and Recover of Credit Management 200 - 0.00% 100.00% Liderança Serviços Especializados em Cobranças Ltda. Collection and Recover of Credit Management 250 - 0.00% 100.00% Controlled by Paytec Tecnologia em Pagamentos Ltda. Paytec Logística e Armazém Ltda. Other Activities 100 - 0.00% 100.00% Controlled by PI Distribuidora de Títulos e Valores Mobiliários S.A. Toro Corretora de Títulos e Valores Mobiliários Ltda. Broker 19,140 - 0.00% 60.00% Controlled by Toro Corretora de Títulos de Valores Mobiliários Ltda. Toro Investimentos S.A. Broker 98,400 - 0.00% 100.00% Jointly Controlled Companies by Sancap Santander Auto S.A. Other Activities 22,452 - 0.00% 50.00%

Cash and balances with the Br_2

Cash and balances with the Brazilian Central Bank (Tables)	12 Months Ended
	Dec. 31, 2021
Cash and balances with the Brazilian Central Bank	Cash and balances with the Brazilian Central Bank Thousand of reais 2021 2020 2019 Cash and cash equivalents 16,657,201 20,148,725 20,127,364 of which: Cash 4,026,282 4,266,197 4,877,849 Cash and Foreign currency application abroad 12,630,919 15,882,528 15,249,515 Total 16,657,201 20,148,725 20,127,364

Loans and amounts due from cr_2

Loans and amounts due from credit institutions (Tables)	12 Months Ended
	Dec. 31, 2021
Loans and amounts due from credit institutions - Currency	The breakdown, by classification, type and currency, of the balances of “Loans and amounts due from credit institutions” in the consolidated financial statements is as follows: (1) Guaranteed by debt instruments. (2) Changes refers substantially to the effect of the write-off of receivables from Getnet spin-off. Loans and amounts due from credit institutions - Currency Thousand of reais 2021 2020 2019 Currency: Brazilian Real 91,889,990 109,287,868 107,693,973 US dollar 2,445,781 2,778,911 1,401,601 Euro 1,350,808 792,061 151, 674 Total 95,686,579 112,858,840 109,247,248
Loans and amounts due from credit institutions - Currency	Loans and amounts due from credit institutions - Currency Thousand of reais 2021 2020 2019 Currency: Brazilian Real 91,889,990 109,287,868 107,693,973 US dollar 2,445,781 2,778,911 1,401,601 Euro 1,350,808 792,061 151, 674 Total 95,686,579 112,858,840 109,247,248
Cash equivalents	Cash equivalents Thousand of reais 2021 2020 2019 Cash equivalents: Short-term transactions and low risk of change in its value (1) 16,011,548 8,298,083 1,316,299 (1) The Amount refers to investments in the open market (repurchase agreements) and investments in interbank deposits (CDI) at

Debt instruments (Tables)

Debt instruments (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown, by classification, type and currency, of the balances of “Debt instruments” is as follows	The breakdown, by classification, type and currency, of the balances of “Debt instruments” is as follows Thousand of reais 2021 2020 2019 Classification: Financial assets measured at fair value through profit or loss 3,122,017 3,545,660 3,735,076 Financial assets measured at fair value through profit or loss held for trading 47,752,595 68,520,799 34,885,631 Financial assets measured at fair value through other comprehensive income 101,212,600 109,668,214 95,962,927 Financial assets measured at amortized cost 73,125,011 48,367,791 38,748,296 Of which: Debt instruments 74,315,903 49,945,226 40,803,323 Impairment losses (1,190,892) (1,577,435) (2,055,027) Total 225,212,223 230,102,464 173,331,930 Type: Government securities - brazil (1) 171,436,589 191,896,439 135,848,053 Debentures and promissory notes 19, 881,934 17,071,856 13,874,883 Other debt securities (2) 33,893,700 21,134,169 23,608,994 Total 225,212,223 230,102,464 173,331,930 (1) Includes, substantially, National Treasury Bills (LTN), Treasury Bills (LFT) e National Treasury Notes (NTN-A, NTN-B, NTN-C e NTN-F). (2) Substantially refer to securities issued by the Official Credit Institute (ICO) of Spain.
The debt instruments are composed, majority by	The debt instruments are composed, majority by Thousand of reais 2021 2020 2019 Currency: Brazilian Real 208,599,863 207,752,590 164,447,235 US dollar 16,612,360 22,292,647 8,884,695 Euro - 57,227 - Total 225,212,223 230,102,464 173,331,930
Debt Instruments linked to	Debt Instruments linked to Thousand of reais 2021 2020 2019 Debt Instruments linked to: Repo Operations 76,211,049 101,371,733 102,849,859 Operations guarantees in B3 S.A. - Brasil, Bolsa, Balcão (B3 S.A.) 19,470,624 12,963,251 6,618,651 Associated to judiciary deposits and other guarantees (1) 23,291,528 9,665,135 9,573,331 Total 118,973,201 124,000,119 119,041,841 (1) Substantially refers to securities issued by the Official Credit Institute (ICO) of Spain.

Equity instruments (Tables)

Equity instruments (Tables)	12 Months Ended
	Dec. 31, 2021
Equity Instruments
The breakdown, by classification and type, of the balances of “Equity instruments” is as follows	The breakdown, by classification and type, of the balances of “Equity instruments” is as follows Thousand of reais 2021 2020 2019 Classification: Financial assets measured at fair value through profit or loss held for trading 2,020,610 1,818,276 2,029,470 Non-trading financial assets mandatorily measured at fair value through profit or loss 477,707 438,912 171,453 Financial assets measured at fair value through other comprehensive income 29,187 72,173 157,306 Total 2,527,504 2,329,361 2,358,229 Type: Shares of Brazilian companies 1,869,824 1,953,128 665,027 Shares of foreign companies 48,825 13,617 - Investment funds (1) 608,855 362,616 1,693,202 Total 2,527,504 2,329,361 2,358,229 (1) Composed mainly by investment on fixed income, public and private securities.
Equity instruments - Financial assets measured at fair value through profit or loss held for trading	The changes in the balance of “ Equity instruments – Financial assets measured at fair value through profit or loss held for trading” were as follows Equity instruments - Financial assets measured at fair value through profit or loss held for trading Thousand of reais 2021 2020 2019 Balance at beginning of year 1,818,276 2,029,470 766,333 Net additions (disposals) / adjustments 202,334 (211,194) 1,263,137 Balance at end of year 2,020,610 1,818,276 2,029,470
Equity instruments - Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	The changes in the balance of “ Equity instruments – Non-Trading Financial Assets Mandatorily Measured at Fair Value Through Profit or Loss” were as follows: Equity instruments - Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss Thousand of reais 2021 2020 2019 Balance at beginning of year 438,912 171,453 298,297 Net additions (disposals) / adjustments 38,795 267,459 (126,844) Balance at end of year 477,707 438,912 171,453
Equity instruments - Financial Assets Measured At Fair Value Through Other Comprehensive Income	The changes in the balance of “ Equity instruments – Financial Assets Measured at Fair Value Through Other Comprehensive Income” were as follows: Equity instruments - Financial Assets Measured At Fair Value Through Other Comprehensive Income Thousand of reais 2021 2020 2019 Balance at beginning of year 72,173 157,306 40,986 Net additions (disposals) / adjustments (42,986) (85,133) 116,320 Balance at end of year 29,187 72,173 157,306

Derivative financial instrume_2

Derivative financial instruments and short positions (Tables)	12 Months Ended
	Dec. 31, 2021
Portfolio summary of trading derivative and used as hedge	Portfolio summary of trading derivative and used as hedge 2021 2020 2020 2020 2019 2019 2019 As Previously Reported Adjustment As Revised As Previously Reported Adjustment As Revised Assets Swap Differentials Receivable 7,641,355 14,729,642 - 14,729,642 14,634,863 - 14,634,863 Option Premiums to Exercise 1,385,889 4,974,618 - 4,974,618 1,065,753 - 1,065,753 Forward Contracts and Others 12,112,679 9,166,360 (2,623,106) 6,543,254 4,745,118 (1,624,834) 3,120,284 Total 21,139,923 28,870,620 (2,623,106) 26,247,514 20,445,734 (1,624,834) 18,820,900 Liabilities Swap Differentials Payable 8,538,705 18,327,611 - 18,327,611 16,458,397 - 16,458,397 Option Premiums Launched 2,256,244 4,926,994 - 4,926,994 1,699,729 - 1,699,729 Forward Contracts and Others 13,824,032 8,725,333 (2,623,106) 6,102,227 4,271,851 (1,624,834) 2,647,017 Total 24,618,981 31,979,938 (2,623,106) 29,356,832 22,429,977 (1,624,834) 20,805,143
Summary by Category	Summary by Category Summary by Category Trading 2021 2020 2019 Notional (1) Curve Value Fair Value Notional (1) Curve Value Fair Value Notional (1) Fair Value Swap 837,762,019 (1,804,744) (897,350) 398,925,842 (3,076,947) (3,597,969) 561,967,799 (1,823,534) Assets 418,137,448 13,162,674 7,641,355 278,752,387 6,249,519 14,729,642 282,164,189 147,010,930 CDI (Interbank Deposit Rates) 66,837,268 318,541 (778,177) 41,316,315 326,586 3,010,880 40,550,627 16,908,791 Fixed Interest Rate - Real 231,741,021 9,269,271 6,412,471 54,159,848 4,013,563 9,607,342 47,140,927 - Indexed to Price and Interest Rates 2,089,110 - (234,488) 5,124,411 - - 2,388,118 - Foreign Currency 91,837,446 799,550 2,003,728 178,076,136 959,322 1,039,529 192,084,517 130,102,139 Others 25,632,603 2,775,313 237,822 75,676 950,048 1,071,891 - - Liabilities 419,624,571 (14,967,418) (8,538,705) 120,173,455 (9,326,465) (18,327,611) 279,803,610 (148,834,464) CDI (Interbank Deposit Rates) 321,402,883 (4,171,481) (12,327,484) 33,239,801 (6,911,748) (13,693,733) 24,353,405 - Fixed Interest Rate - Real 48,874,762 (6,760,576) 2,467,425 45,088,689 (2,183,507) (2,772,479) 67,937,624 (24,079,732) Indexed to Price and Interest Rates 22,827,336 - (728,677) 33,026,692 - (450,958) 125,829,755 (123,445,067) Foreign Currency 887,129 (28,407) 2,287,852 6,636,885 (25) 153,695 60,394,529 - Others 25,632,461 (4,006,955) (237,822) 2,181,388 (231,186) (1,564,135) 1,288,297 (1,309,665) Options 1,130,172,099 (595,345) (885,703) 2,043,286,085 (282,110) 47,624 1,446,536,133 (1,222,465) Purchased Position 564,829,758 1,240,879 1,385,889 1,006,266,897 1,869,806 4,974,618 678,089,904 381,706 Call Option - US Dollar 9,898,179 271,464 382,237 1,188,387 47,898 39,202 171,871 (281) Put Option - US Dollar 4,094,316 140,280 187,123 1,948,673 79,019 109,075 1,456,975 4,355 Call Option - Other 31,248,540 459,995 510,976 134,761,947 558,794 1,093,583 98,154,363 818,664 Interbank Market 28,499,055 444,446 495,214 101,421,659 557,167 556,039 98,154,363 819,262 Others (2) 2,749,485 15,549 15,763 33,340,288 1,627 537,544 - (598) Put Option - Other 519,588,723 369,140 305,553 868,367,889 1,184,095 3,732,758 578,306,695 (441,032) Interbank Market 519,588,723 369,140 305,553 864,852,555 1,183,630 3,729,297 578,306,695 (440,959) Others (2) - - - 3,515,334 464 3,461 - (73) Sold Position 565,342,341 (1,836,224) (2,256,244) 1,037,019,188 (2,151,915) (4,926,994) 768,446,229 (1,604,171) Call Option - US Dollar 4,111,016 (170,553) (152,348) 1,537,670 (70,201) 699,243 254,945 (1,472) Put Option - US Dollar 4,017,161 (348,715) (287,825) 2,315,919 (137,061) (192,335) 263,994 (2,842) Call Option - Other 33,383,234 (719,460) (872,335) 130,919,394 (588,023) (453,919) 174,166,802 (440,731) Interbank Market 31,730,928 (713,773) (858,586) 120,156,285 (566,813) (464,405) 174,166,802 (440,959) Others (2) 1,652,305 (5,687) (13,749) 10,763,109 (21,210) 10,486 228 Put Option - Other 523,830,930 (597,497) (943,736) 902,246,206 (1,356,630) (4,979,984) 593,760,488 (1,159,126) Interbank Market 523,830,930 (597,497) (943,736) 869,328,317 (1,350,314) (4,597,427) 593,760,488 (1,159,038) Others (2) - - - 32,917,888 (6,316) (382,557) (88) Futures Contracts 287,984,278 - - 270,258,566 - - 433,873,180 - Purchased Position 148,237,279 - - 110,275,866 - - 72,912,029 - Exchange Coupon (DDI) 85,931,389 - - 12,438,695 - - 7,394,951 - Interest Rates (DI1 and DIA) 28,491,764 - - 97,837,171 - - 55,430,519 - Foreign Currency 33,797,350 - - - - - 9,978,419 - Indexes (3) 16,776 - - - - - - - Others - - - - - - 108,140 - Sold Position 139,746,999 - - 159,982,699 - - 360,961,151 - Exchange Coupon (DDI) 60,606,204 - - 73,114,014 - - 146,032,485 - Interest Rates (DI1 and DIA) 53,267,620 - - 67,958,767 - - 196,170,105 - Foreign Currency 25,678,296 - - 18,653,658 - - 17,305,604 - Indexes (3) 194,879 - - 256,261 - - 290,254 - Treasury Bonds/Notes - - - - - - 1,162,703 - Forward Contracts and Others 167,611,313 2,836,843 (1,711,352) 165,663,806 2,693,759 441,028 169,401,317 483,267 Purchased Commitment 93,097,212 5,345,415 12,112,679 96,309,648 1,370,654 6,543,254 79,970,842 3,120,284 Currencies 83,752,185 2,738,485 8,501,934 87,254,202 1,370,654 5,026,566 78,344,925 2,794,330 Others 9,345,027 2,606,930 3,610,745 9,055,447 - 1,516,688 1,625,917 325,954 Sold Commitment 74,514,101 (2,508,572) (13,824,032) 69,354,158 1,323,105 (6,102,227) 89,430,475 (2,647,017) Currencies 71,611,500 (1,141,826) (11,932,009) 64,986,757 1,323,328 (4,846,929) 87,801,864 (2,275,227) Others 2,902,602 (1,366,746) (1,892,023) 4,367,401 (223) (1,255,298) 1,628,611 (371,790) (1) Nominal value of updated contracts. (2) Includes options of index, mainly being options involving US treasury, shares and stock indexes. (3) Includes Bovespa and S&P index.
Derivatives Financial Instruments by Counterparty	a.2) Derivatives Financial Instruments by Counterparty Notional 2021 Related Financial Customers Parties Institutions (1) Total Swap 152,650,125 233,667,783 31,819,540 418,137,448 Options 1,127,446,708 1,641,361 1,084,030 1,130,172,099 Futures Contracts 287,984,278 - - 287,984,278 Forward Contracts and Others 70,457,399 96,857,222 296,692 167,611,313 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. Notional 2020 2019 Related Financial Customers Parties Institutions (1) Total Total Swap 40,241,232 97,784,443 140,726,712 278,752,387 282,164,189 Options 23,788,051 922,740 2,018,575,293 2,043,286,085 1,446,522,955 Futures Contracts 3,198,239 - 267,060,326 270,258,566 433,873,182 Forward Contracts and Others 67,837,797 49,447,532 45,755,371 163,040,700 169,401,317 (1) Includes trades with B3 S.A. and other securities and commodities exchanges.
Derivatives Financial Instruments by Maturity	a.3) Derivatives Financial Instruments by Maturity Notional 2021 Up to From 3 to Over 3 Months 12 Months 12 Months Total Swap 30,501,795 99,817,727 287,817,926 418,137,448 Options 749,406,698 128,500,299 252,265,102 1,130,172,099 Futures Contracts 167,320,563 45,239,639 75,424,076 287,984,278 Forward Contracts and Others 72,761,669 67,060,436 27,789,208 167,611,313 Notional 2020 2019 Up to From 3 to Over 3 Months 12 Months 12 Months Total Total Swap 58,388,872 98,073,784 122,289,731 278,752,387 282,164,189 Options 931,156,902 572,661,800 539,467,382 2,043,286,084 1,446,522,962 Futures Contracts 181,521,486 36,328,390 52,408,689 270,258,566 433,873,181 Forward Contracts and Others 104,098,351 33,788,798 25,153,551 163,040,700 169,401,317
Derivatives by Market Trading	a.4) Derivatives by Market Trading Notional Stock Exchange (1) Over the Counter 2021 Total Swap 111,418,682 306,718,767 418,137,448 Options 1,094,484,434 35,687,665 1,130,172,099 Futures Contracts 287,984,278 - 287,984,278 Forward Contracts and Others 7,108,898 160,502,415 167,611,313 (1) Includes trades with B3 S.A. Notional Stock Exchange (1) Over the Counter 2020 2019 Total Total Swap 82,122,957 196,629,429 278,752,387 282,164,189 Options 1,940,172,322 103,113,762 2,043,286,084 1,446,522,962 Futures Contracts 270,258,566 - 270,258,566 433,873,181 Forward Contracts and Others 25,182,494 137,858,206 163,040,700 169,401,317 (1) Includes trades with B3 S.A.
Composition of the Credit Derivatives portfolio shown by its reference value and effect in the calculation of Required Stockholders' Equity	Below, the composition of the Credit Derivatives portfolio shown by its reference value and effect on the calculation of Required Shareholders' Equity (PLE). Composition of the Credit Derivatives portfolio shown by its reference value and effect in the calculation of Required Stockholders' Equity 2021 2020 2019 Nominal Value Nominal Value Nominal Value Nominal Value Nominal Value Nominal Value Retained Risk Transferred Risk - Retained Risk Transferred Risk - Retained Risk Transferred Risk - Total Rate of Return Swap Credit Swap Total Rate of Return Swap Credit Swap Total Rate of Return Swap Credit Swap Credit swaps 3,984,392 - 3,483,628 519,670 2,435,880 - Total 3,984,392 - 3,483,628 519,670 2,435,880 -
During the period, there was no occurrence of credit event related to triggering events provided for in the contracts.	During the period, there was no occurrence of credit event related to triggering events provided for in the contracts. 2021 2020 2019 Over Over Over Maximum Potential for Future Payments - Gross 12 Months Total 12 Months Total 12 Months Total Per Instrument CDS 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Per Risk Classification Below Investment Grade 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Per Reference Entity Brazilian Government 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880 Total 3,984,392 3,984,392 4,003,298 4,003,298 2,435,880 2,435,880
Attributable to the type of risk being hedged	Attributable to the type of risk being hedged 2021 2020 2019 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Fair Value Hedge Brazilian Treasury Bonds (LTN, NTN-F) 3,756,394 - (2,183,841) - (2,853,807) - Bonds (LEA) - - - - (61,761) - Resolution 2770 - - - - (94) - Trade Finance Off 728 - (5,092) - (4,015) - Total 3,757,122 - (2,188,933) - (2,919,677) -
Hedge Instruments	Hedge Instruments 12/31/2021 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 84,767 (2,204) 82,563 84,937 3,175 88,112 Credit Operations Hedge 84,767 (2,204) 82,563 84,937 3,175 88,112 Future Contracts 41,437,967 (7,913) 41,430,054 46,351,128 (2,031,108) 44,320,021 Credit Operations Hedge 2,850,589 (14,439) 2,836,150 2,738,830 15,685 2,754,515 Hedge of Securities 38,587,378 6,527 38,593,904 43,612,299 (2,046,793) 41,565,506 12/31/2020 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Future Contracts 46,649,331 - 46,649,331 42,529,036 2,802,690 45,331,727 Hedge of Securities 46,649,331 - 46,649,331 42,529,036 2,802,690 45,331,727 12/31/2019 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 3,249,741 101,264 3,351,004 3,555,326 662,773 4,218,099 Credit Operations Hedge 1,118,210 28,993 1,147,202 1,423,809 63,231 1,487,040 Hedge of Securities 2,131,532 72,271 2,203,802 2,131,517 599,542 2,731,059 Future Contracts 789,631 - 789,631 45,427,125 3,000,490 48,427,614 Hedge of Securities 789,631 - 789,631 45,427,125 3,000,490 48,427,614 (*) The Bank has market risk hedge strategies, the objects of which are assets in its portfolio, which is why we demonstrate the passive edge of the respective instruments. For structures whose instruments are futures, we show the balance of the calculated daily adjustment, recorded in a clearing account.
Hedge Structure - Cash Flow	Hedge Structure - Cash Flow 2021 2020 2019 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Cash Flow Hedge Eurobonds - - 14,666 - (6,074) - Trade Finance Off (236,630) - 58,088 - 139,852 - Government Securities (LFT) (982,648) - 727,437 - 503,665 - Bank Deposit Certificate - CDB 402,779 - - - - - Total (816,500) - 800,190 - 637,443 -
Hedge Instruments / Hedge Object	Hedge Instruments / Hedge Object 12/31/2021 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Future Contracts 110,932,644 (616,062) 110,316,582 128,673,067 (8,912,769) 119,760,298 Credit Operations Hedge (1) 28,542,862 (577,845) 27,965,018 28,659,545 1,508,397 30,167,942 Hedge of Securities 71,320,781 (26) 71,320,756 89,837,000 (10,543,430) 79,293,570 Funding Hedge 11,069,000 (38,191) 11,030,809 10,176,522 122,264 10,298,786 12/31/2020 Hedge Instruments Hedge Object Accounting Adjustment to Market Accounting Strategies Value - liability Market Value Value Value Swap Contracts 1,428,053 1,428,053 1,302,666 1,302,666 Hedge of Securities 1,428,053 1,428,053 1,302,666 1,302,666 Future Contracts 19,500,234 19,500,234 23,447,934 23,447,934 Credit Operations Hedge (1) 19,500,234 19,500,234 23,447,934 23,447,934 12/31/2019 Hedge Instruments Hedge Object Accounting Adjustment to Market Accounting Strategies Value - liability Market Value Value Value Swap Contracts 1,361,658 35,110 1,396,768 1,324,685 Credit Operations Hedge 435,872 (3,494) 432,378 399,831 Hedge of Securities 925,786 38,604 964,390 924,854 Future Contracts 54,460,972 - 54,460,972 7,726,566 Credit Operations Hedge (1) 50,975,253 - 50,975,253 4,506,878 Hedge of Securities 3,485,719 - 3,485,719 3,219,688 (*) The Bank has cash flow hedge strategies, the objects of which are assets in its portfolio, which is why we have shown the liability side of the respective instruments. For structures whose instruments are futures, we show the notional's balance, recorded in a clearing account.
Composed of government securities	The margin given in guarantee for transactions traded at B3 S.A. with its own and third party derivative financial instruments is composed of federal public securities. Composed of government securities 2021 2020 2019 Financial Treasury Bills - LFT 31,305,549 4,363,666 5,342,992 National Treasury Bills - LTN 3,751,223 6,155,276 1,086,556 National Treasury Notes - NTN 7,725,538 2,814,274 660,918 Total 42,782,310 13,333,215 7,090,466

Loans and advances to clients (

Loans and advances to clients (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown, by classification, of the balances of “Loans and advances to clients” in the consolidated financial statements is as follows:	The breakdown, by classification, of the balances of “Loans and advances to clients” in the consolidated financial statements is as follows: Thousand of reais 2021 2020 2019 Classification: Non-trading financial assets mandatorily measured at fair value through profit or loss 392,455 60,808 - Loans and receivables - - - Financial assets measured at amortized cost 464,451,587 393,707,229 326,699,480 Of which: Loans and receivables at amortized cost 492,962,247 417,761,218 347,256,660 Impairment losses (28,510,660) (24,053,989) (20,557,180) Loans and advances to customers, net 464,844,042 393,768,037 326,699,480 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660 Thousand of reais 2021 2020 2019 Type: Loans operations (1) 457,384,432 390,941,415 329,910,319 Lease Portfolio 2,532,048 2,096,240 2,111,842 Repurchase agreements 6,044,808 4,530,041 10,500 Other receivables (2) 27,393,414 20,254,330 15,223,999 Total 493,354,702 417,822,026 347,256,660 (1) Includes loans and other loans with credit characteristics. (2) Refers substantially to Foreign Exchange Transactions and Other Receivables with credit granting characteristics.
Below, the details, by condition and type of credit, debtor sector and interest rate formula, of loans and advances to customers, which reflect the Bank's exposure to credit risk in its main activity, gross of reduction losses to recoverable value	Below, the details, by condition and type of credit, debtor sector and interest rate formula, of loans and advances to customers, which reflect the Bank's exposure to credit risk in its main activity, gross of reduction losses to recoverable value Thousand of reais 2021 2020 2019 Loan borrower sector: Commercial, and industrial 215,967,128 191,281,653 145,387,439 Real estate-construction 54,738,606 45,791,869 39,720,713 Installment loans to individuals 220,115,963 178,652,145 160,036,668 Lease financing 2,533,004 2,096,359 2,111,840 Total 493,354,702 417,822,026 347,256,660
Interest rate formula	Interest rate formula Thousand of reais 2021 2020 2019 Interest rate formula: Fixed interest rate 337,583,246 292,884,352 258,760,620 Floating rate 155,771,456 124,937,674 88,496,040 Total 493,354,702 417,822,026 347,256,660
Debt sector by maturity	Debt sector by maturity 2021 Debt Sector by Maturity Less than 1 year % of total Between 1 and 5 years % of total More than 5 years % of total Total % of total Commercial and industrial 165,729,422 61.37% 73,723,212 45.81% 8,221,617 13.18% 247,674,251 50.20% Real estate 3,985,684 1.48% 10,137,988 6.30% 40,614,935 65.12% 54,738,607 11.10% Installment loans to individuals 99,050,959 36.68% 75,832,619 47.12% 13,525,262 21.69% 188,408,840 38.19% Lease financing 1,284,868 0.48% 1,238,498 0.77% 9,638 0.02% 2,533,004 0.51% Loans and advances to customers, gross 270,050,934 100.00% 160,932,317 100.00% 62,371,452 100.00% 493,354,702 100.00% 2020 Debt Sector by Maturity Less than 1 year % of total Between 1 and 5 years % of total More than 5 years % of total Total % of total Commercial and industrial 127,569,542 58.23% 60,190,422 40.94% 3,521,688 6.81% 191,281,652 45.78% Real estate 3,419,553 1.56% 8,973,495 6.10% 33,398,822 64.54% 45,791,870 10.96% Installment loans to individuals 87,174,594 39.79% 76,667,187 52.15% 14,810,364 28.62% 178,652,145 42.76% Lease financing 899,055 0.41% 1,182,713 0.80% 14,591 0.03% 2,096,359 0.50% Loans and advances to customers, gross 219,062,744 100.00% 147,013,817 100.00% 51,745,465 100.00% 417,822,026 100.00% 2019 Debt Sector by Maturity Less than 1 year % of total Between 1 and 5 years % of total More than 5 years % of total Total % of total Commercial and industrial 102,083,249 54.83% 39,408,727 33.44% 3,895,463 9.01% 145,387,439 41.87% Real estate 3,633,231 1.95% 8,145,568 6.91% 27,941,913 64.65% 39,720,713 11.44% Installment loans to individuals 79,624,744 42.76% 69,034,596 58.58% 11,377,328 26.33% 160,036,668 46.09% Lease financing 855,624 0.46% 1,252,673 1.06% 3,543 0.01% 2,111,840 0.61% Loans and advances to customers, gross 186,196,848 100.00% 117,841,564 100.00% 43,218,247 100.00% 347,256,660 100.00%
Maturity	Maturity Thousand of reais 2021 2020 2019 Maturity Less than 1 year 270,050,934 219,062,744 186,196,849 Between 1 and 5 years 160,932,317 147,013,817 117,841,564 More than 5 years 62,371,451 51,745,465 43,218,247 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660 Internal risk classification Low 374,505,212 347,315,357 257,133,115 Medium-low 79,216,725 24,277,404 56,549,196 Medium 14,589,977 26,231,871 11,754,806 Medium - high 9,413,110 3,896,457 8,512,386 High 15,629,678 16,100,937 13,307,156 Loans and advances to Customers, gross 493,354,702 417,822,026 347,256,660
Changes in the allowances for the impairment losses on the balances of Loans and receivables	The changes in provisions for impairment losses in the balances of the item "Financial assets measured at amortized cost" are as follows: Considering the amounts recognized in "Loss due to impairment of the amount of the recoverable value against the result" and the "Recoveries of loans written off as loss", and "PDD of Avals", the "Loss with financial assets - Financial assets measured at amortized cost" totaled in December 31, 2021, R$17,112,734 (2020 - R$17,450,188 and 2019 - R$13,369,905). Changes in the allowances for the impairment losses on the balances of Loans and receivables Thousand of reais 2021 Stage 1 Stage 2 Stage 3 Credit losses expected in 12 months Expected credit losses over a useful life not subject to impairment Expected credit losses during the useful life subject to impairment Total Balance at beginning of year 5,837,199 4,928,606 14,874,684 25,640,489 Impairment losses charged to income for the year 3,200,608 4,883,553 8,902,534 16,986,695 Transfers between stages (553,054) 31,154 10,221,329 9,699,429 Movement of the period 3,753,662 4,852,399 (1,318,795) 7,287,266 Of which: Commercial and industrial 347,359 1,779,043 1,213,907 3,340,309 Real estate-construction 4,411 (50,798) 162,418 116,031 Installment loans to individuals 2,851,686 3,155,946 7,524,183 13,531,815 Lease financing (2,848) (638) 2,026 (1,460) Variation by Stage (2,060,142) (4,058,304) 6,118,446 - Write-off of impaired balances against recorded impairment allowance - - (12,903,807) (12,903,807) Of which: Commercial and industrial - - (5,153,345) (5,153,345) Real estate-construction - - (166,579) (166,579) Installment loans to individuals - - (7,575,967) (7,575,967) Lease financing - - (7,916) (7,916) Balance at end of year 6,977,664 5,753,855 16,991,855 29,723,376 Of which: Loans and advances to customers 6,861,404 5,703,285 15,945,970 28,510,659 Loans and amounts due from credit institutions (Note 5) 21,825 - - 21,825 Provision for Debt Instruments (Note 6) 94,435 50,570 1,045,887 1,190,892 Recoveries of loans previously charged off - - 1,536,336 1,536,336 Of which: Commercial and industrial - - 462,523 462,523 Real estate-construction - - 64,257 64,257 Installment loans to individuals - - 1,002,257 1,002,257 Lease financing - - 7,299 7,299 Discount granted - - (1,662,375) (1,662,375) Thousand of reais 2021 2020 2019 Balance at beginning of year 25,640,489 22,625,750 22,969,315 Impairment losses charged to income for the year 16,986,695 18,311,441 14,361,382 Of which: Commercial and industrial 3,340,309 6,918,671 2,376,910 Real estate-construction 116,031 81,415 94,957 Installment loans to individuals 13,531,815 11,308,689 11,866,475 Lease financing (1,460) 2,666 23,040 Write-off of impaired balances against recorded impairment allowance (12,903,808) (15,296,703) (14,704,948) Of which: Commercial and industrial (5,153,346) (4,616,722) (5,713,369) Real estate-construction (166,579) (232,262) (108,294) Installment loans to individuals (7,575,967) (10,433,131) (8,834,391) Lease financing (7,916) (14,588) (48,893) Balance at end of year 29,723,376 25,640,488 22,625,750 Of which: Loans and advances to customers 28,510,659 24,053,989 20,557,180 Loans and amounts due from credit institutions (Note 5) 21,825 9,065 13,543 Provision for Debt Instruments (Note 6) 1,190,892 1,577,435 2,055,027 Recoveries of loans previously charged off 1,536,336 861,253 991,476 Of which: Commercial and industrial 462,523 422,023 519,594 Real estate-construction 64,257 55,631 46,639 Installment loans to individuals 1,002,257 370,491 417,477 Lease financing 7,299 13,107 7,767
The balances of the provision for losses due to non-recovery by debtor sector	The balances of the provision for losses due to non-recovery by debtor sector Thousand of reais 2021 2020 2019 Commercial and industrial 8,324,614 9,757,193 7,455,243 Real estate - Construction 154,248 193,935 344,782 Installment loans to individuals 21,240,296 15,675,765 14,800,208 Lease financing 4,218 13,594 25,517 Total 29,723,376 25,640,488 22,625,750
Loans and receivables - loans and advances to customers	The details of the changes in the balance of the financial assets classified as “Loans and receivables – loans and advances to clients” (as defined at Note 1.i) and considered to be impaired due to credit risk are as follows: Loans and receivables - loans and advances to customers Thousand of reais 2021 2020 2019 Balance at beginning of year 23,176,039 23,426,076 22,425,801 Net additions 18,428,727 14,757,908 16,000,733 Written-off assets (14,681,454) (15,007,946) (15,000,458) Balance at end of year 26,923,312 23,176,039 23,426,076
Following is a detail of the financial assets considered to be impaired classified by age of the oldest past-due amount:	Following is a detail of the financial assets considered to be impaired classified by age of the oldest past-due amount: Thousand of reais 2021 2020 2019 With no Past-Due Balances or Less than 3 Months Past Due 12,885,506 12,966,813 11,729,920 With Balances Past Due by 3 to 6 Months 4,717,302 3,049,974 3,961,042 6 to 12 Months 6,866,628 4,798,859 5,721,762 12 to 18 Months 1,253,046 1,243,809 985,476 18 to 24 Months 659,702 607,527 523,441 More than 24 Months 541,129 509,056 504,435 Total 26,923,312 23,176,039 23,426,076 Thousand of reais 2021 2020 2019 Debt Sector Commercial and industrial 11,439,692 10,558,213 10,072,655 Real estate - Construction 470,115 456,130 826,863 Installment loans to individuals 14,996,152 12,144,238 12,497,179 Lease financing 17,353 17,458 29,379 Total 26,923,312 23,176,039 23,426,076
Loan past due for less than 90 days but not classified as impaired	e) Loan past due for less than 90 days but not classified as impaired Thousand of reais 2021 % of total loans past due for less than 90 days 2020 % of total loans past due for less than 90 days 2019 % of total loans past due for less than 90 days Commercial and industrial 4,892,277 20.68% 5,131,885 25.80% 3,517,086 15.42% Real estate - Construction 3,605,641 15,24% 3,085,498 15.51% 5,781,977 25.35% Installment loans to individuals 15,150,254 64.04% 11,660,666 58.62% 13,489,513 59.13% Financial Leasing 10,961 0,05% 13,292 0.07% 24,325 0.11% Total (1) 23,659,133 100.00% 19,891,340 100.00% 22,812,900 100.00% (1) Refers exclusively to loans between 1 and 90 days.
Gross investment in lease transactions	Gross investment in lease transactions Thousand of reais 2021 2020 2019 Overdue 3,531 2,740 3,233 Due to: Up to 1 year 1,067,567 952,172 978,748 From 1 to 5 years 1,642,506 1,394,525 1,442,244 Over 5 years 132,459 20,128 4,014 Total 2,846,063 2,369,565 2,428,239

Non-current assets held for s_2

Non-current assets held for sale (Tables)	12 Months Ended
	Dec. 31, 2021
The change in the "Assets held for sale" is as follows:	At December 31, 2021, 2020 and 2019 The change in the "Assets held for sale" is as follows: Thousand of reais 2021 2020 2019 Balance at beginning of year 1,362,602 1,580,496 1,598,367 Loan repayments - repossession of assets 235,904 445,173 735,864 Capital Increase in Companies held for sale (1) 66,197 - 55,245 Sales (599,283) (663,067) (808,980) Final balance, gross 1,065,420 1,362,602 1,580,496 Impairment losses (2) (249,075) (269,693) (255,161) Impairment as a percentage of foreclosed assets 23.38% 19.79% 16.14% Balance at end of year 816,345 1,092,909 1,325,335 (1) On September 20, 2019, Santander Holding Imobiliária completed the acquisition of the company Summer Empreendimentos Ltda. (“Summer”), whose main asset is a branch located on Avenida Faria Lima in the city of São Paulo, for the amount of R$45,245. Upon completion of the transaction, a structured plan for the sale of this company to a third party in the short term was formalized. In December 2019, Santander Holding Imobiliária carried out a capital increase in Summer in the amount of R$10,000. (2) In 2021, includes the amount of R$182,448 (2020 – R$24,751 and 2019 – R$251,945) of reversal of provisions for devaluations on real estate and R$2,194 (2020 - R$122) of provisions for devaluations on vehicles , based on appraisal reports prepared by a specialized external consultancy, accounted for as a provision for impairment losses.

Investments in associates and_2

Investments in associates and joint ventures (Tables)	12 Months Ended
	Dec. 31, 2021
Jointly controlled and Significant Influence - Participation	a) Breakdown Jointly controlled and Significant Influence - Participation Participation % Jointly Controlled by Banco Santander Activity Country 2021 2020 2019 Banco RCI Brasil S.A. Bank Brazil 39.89 39.89 39.89 Norchem Participações e Consultoria S.A. Other Activities Brazil 0.00 0.00 50.00 Estruturadora Brasileira de Projetos S.A. - EBP Other Activities Brazil 11.11 11.11 11.11 Gestora de Inteligência de Crédito Credit Bureau Brazil 19.45 20.00 20.00 Campo Grande Empreendimentos Other Activities Brazil 25.32 25.32 25.32 Santander Auto S.A. Other Activities Brazil 50.00 50.00 50.00 Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) Webmotors S.A. Other Activities Brazil 70.00 70.00 70.00 Tecnologia Bancária S.A. - TECBAN Other Activities Brazil 18.98 18.98 18.98 Hyundai Corretora de Seguros Insurance Broker Brazil 50.00 50.00 50.00 PSA Corretora de Seguros e Serviços Ltda. Insurance Broker Brazil 50.00 50.00 50.00 Jointly Controlled by Aymoré CFI Solutions 4Fleet Other Activities Brazil 80.00 0.00 0.00 Significant Influence of Banco Santander Norchem Holding e Negócios S.A. Other Activities Brazil 0.00 0.00 21.75
Jointly controlled and Significant Influence - Investments	Jointly controlled and Significant Influence - Investments Investments 2021 2020 2019 Jointly Controlled by Banco Santander 628,040 590,219 595,230 Banco RCI Brasil S.A. 591,745 544,236 509,890 Norchem Participações e Consultoria S.A. - - 21,078 Estruturadora Brasileira de Projetos S.A. - EBP 1,257 1,273 3,889 Gestora de Inteligência de Crédito 13,522 28,680 47,744 Campo Grande Empreendimentos 255 255 255 Santander Auto S.A. 21,261 15,775 12,374 Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 593,002 504,766 454,280 Webmotors S.A. 359,092 316,597 296,216 Tecnologia Bancária S.A. - TECBAN 232,109 186,357 156,589 Hyundai Corretora de Seguros 1,260 1,044 934 PSA Corretora de Seguros e Serviços Ltda. 541 768 541 Jointly Controlled by Aymoré CFI 11,604 - - Solutions 4Fleet 11,604 - - Significant Influence of Banco Santander - - 21,252 Norchem Holding e Negócios S.A. - - 21,252 Total 1,232,646 1,094,985 1,070,762
Jointly controlled and Significant Influence - Results of Investments	Jointly controlled and Significant Influence - Results of Investments Results of Investments 2021 2020 2019 Jointly Controlled by Banco Santander 54,493 50,915 92,976 Banco RCI Brasil S.A. 62,813 72,057 105,250 Norchem Participações e Consultoria S.A. - 333 975 Cibrasec - Companhia Brasileira de Securitização - - 75 Estruturadora Brasileira de Projetos S.A. - EBP (16) 9 199 Gestora de Inteligência de Crédito (14,419) (19,064) (11,354) Santander Auto S.A. 6,115 (2,421) (2,169) Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 91,833 61,380 55,936 Webmotors S.A. 45,817 38,823 42,848 Tecnologia Bancária S.A. - TECBAN 45,752 22,219 12,498 Hyundai Corretora de Seguros 216 110 (66) PSA Corretora de Seguros e Serviços Ltda. 48 226 656 Jointly Controlled by Aymoré CFI (2,142) - - Solutions 4Fleet (2,142) - - Significant Influence of Banco Santander - (33) 576 Norchem Holding e Negócios S.A. - (33) 576 Total 144,184 112,261 149,488
Jointly controlled and Significant Influence - Total	Jointly controlled and Significant Influence - Total 2021 Total Assets Total Liabilities Total Income Jointly Controlled by Banco Santander 12,488,103 12,473,458 95,420 Banco RCI Brasil S.A. 11,147,493 11,080,238 157,462 Estruturadora Brasileira de Projetos S.A. - EBP 11,339 11,476 (136) Gestora de Inteligência de Crédito 1,173,234 1,237,937 (74,136) Santander Auto S.A. 156,037 143,807 12,230 Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 3,055,130 2,824,094 231,035 Webmotors S.A. 342,195 276,743 65,452 Tecnologia Bancária S.A. - TECBAN 2,707,571 2,542,515 165,056 Hyundai Corretora de Seguros Ltda. 3,353 2,921 431 PSA Corretora de Seguros e Serviços Ltda. 2,011 1,915 96 Controlled by Aymoré CFI 14,871 17,548 (2,677) Solutions 4Fleet. 14,871 17,548 (2,677) Total 15,558,104 15,315,100 323,778 2020 Total Assets Total Liabilities Total Income Jointly Controlled by Banco Santander 12,900,571 11,255,396 51,847 Banco RCI Brasil S.A. 11,620,304 10,255,995 99,951 Norchem Participações e Consultoria S.A. 70,475 27,781 534 Estruturadora Brasileira de Projetos S.A. - EBP 11,562 39 148 Gestora de Inteligência de Crédito 1,126,424 933,115 (45,410) Santander Auto S.A. 71,807 38,466 (3,376) Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações SA) 2,952,308 1,692,770 68,469 Webmotors S.A. 512,687 78,856 21,529 Tecnologia Bancária S.A. - TECBAN 2,435,377 1,612,822 46,735 Hyundai Corretora de Seguros Ltda. 2,076 251 (43) PSA Corretora de Seguros e Serviços Ltda. 2,168 841 247 Significant Influence of Banco Santander 126,877 29,391 (225) Norchem Holding e Negócios S.A. 126,877 29,391 (225) Total 15,979,756 12,977,558 120,091 2019 Total Assets Total Liabilities Total Income Jointly Controlled by Banco Santander 14,121,618 12,502,780 206,482 Banco RCI Brasil S.A. 13,452,716 12,174,504 263,851 Norchem Participações e Consultoria S.A. 69,865 27,709 1,949 Estruturadora Brasileira de Projetos S.A. - EBP 35,314 311 1,790 Gestora de Inteligência de Crédito 527,362 288,643 (56,769) Santander Auto S.A. 36,361 11,613 (4,339) Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.) 2,873,140 1,628,364 125,439 Webmotors S.A. 484,454 60,734 61,212 Tecnologia Bancária S.A. - TECBAN 2,382,907 1,564,801 63,046 Hyundai Corretora de Seguros Ltda. 1,909 41 (132) PSA Corretora de Seguros e Serviços Ltda. 3,870 2,788 1,313 Significant Influence of Banco Santander 126,937 29,226 2,650 Norchem Holding e Negócios S.A. 126,937 29,226 2,650 Total 17,121,695 14,160,370 334,571 The Bank has no guarantees granted to companies with joint control and significant influence. The Bank does not have contingent liabilities with significant possible risk of loss related to investments for companies with joint control and significant influence.
Jointly controlled and Significant Influence - Changes in the balance	The changes in the balance of this item in the years ended December 31, 2021, 2020 and 2019 were: Jointly controlled and Significant Influence - Changes in the balance 2021 2020 2019 Jointly Controlled by Banco Santander Balance at beginning of year 1,094,985 1,049,510 1,032,382 Additions / disposals (net) due to change in the scope of consolidation (739) (41,851) (51,073) Additions /disposals 13,746 13,571 746 Share of results of entities accounted for using the equity method 144,184 112,293 148,912 Dividends proposed/received (66,878) (59,784) (69,904) Others 47,348 21,246 (11,553) Balance at end of year 1,232,646 1,094,985 1,049,510 Significant Influence of Banco Santander Balance at beginning of year - 21,252 20,933 Share of results of entities accounted for using the equity method - (33) 576 Dividends proposed/received - (239) (257) Alienation - (20,980) - Balance at end of year - - 21,252
Principal jointly controlled entities	Principal jointly controlled entities 2021 2020 2019 Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Current assets 10,187,883 342,195 11,270,565 276,170 12,052,008 241,919 Current liabilities 8,754,744 71,742 9,825,654 220,707 10,781,921 61,290 Cash and cash equivalents 341,015 2,746 201,142 1,411 489,400 1,667 Depreciation and amortization (1,628) (19,152) (1,577) (14,949) (1,666) (9,234) Revenue 637,856 331,586 732,253 277,270 661,215 165,049 Interest income 1,308,649 3,938 1,354,283 2,283 1,401,154 5,079 Interest expense (592,776) - (483,506) - (547,546) - Tax Income / (expense) (105,266) (32,819) (169,957) (26,314) (83,455) (26,863) Current financial liabilities (excluding trade and other payables and provisions) 3,293,251 58,910 3,279,806 58,910 4,178,761 53,807 Non-current financial liabilities (excluding trade and other payables and provisions) 5,218,945 796 5,947,683 796 470,081 1,006

Property, plant and equipment (

Property, plant and equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property Plant And Equipment
Tangible assets in the consolidated balance sheets	The detail, by class of asset, of the tangible assets in the consolidated balance sheets is as follows: Tangible assets in the consolidated balance sheets Thousand of reais Cost Land and buildings IT equipment and fixtures Furniture and vehicles Leased Fixed Assets Others Total Balance on December 31, 2018 2,779,038 4,628,325 9,231,131 - 1,683 16,640,177 Initial adoption IFRS 16 - - - 2,465,750 - 2,465,750 Additions 85,333 826,685 1,012,395 - 370 1,924,783 Additions resulting mergers - - - 689,982 - 689,982 Cancellation of lease agreements - - - (72,951) - (72,951) Write-off (17,041) (122,926) (122,279) - - (262,246) Transfers (7,160) 13,236 51,445 - - 57,521 Balance on December 31, 2019 2,840,170 5,345,320 10,172,692 3,082,781 2,053 21,443,016 Initial adoption IFRS 16 - - - - - - Additions 8,831 559,388 667,704 - - 1,235,923 Additions resulting mergers - - - 738,603 - 738,603 Cancellation of lease agreements - - - (246,308) - (246,308) Write-off (23,771) (2,241,220) (416,600) - (2,681,591) Transfers (8,485) 120,158 39,861 - (806) 150,728 Balance on December 31, 2020 2,816,745 3,783,646 10,463,657 3,575,076 1,247 20,640,371 Initial adoption IFRS 16 - - - - - - Additions 32,959 435,858 693,957 - - 1,162,774 Additions by Company Acquisition - - - 103,449 - 103,449 Cancellation of lease agreements - - - (254,101) - (254,101) Write-off (50,181) (1,584,956) (402,817) - - (2,037,954) Transfers - 651,607 (468,561) - - 183,046 Balance on December 31, 2021 2,799,523 3,286,155 10,286,236 3,424,424 1,247 19,797,585 Accumulated depreciation Land and buildings IT equipment and fixtures Furniture and vehicles Leased Fixed Assets Others Total Balance on December 31, 2018 (760,844) (3,714,712) (5,511,258) - - (9,986,814) Additions (93,455) (482,256) (730,993) (564,132) - (1,870,836) Write-off 10,517 148,486 65,016 8,316 - 232,335 Transfers 15,091 10,272 (9,183) - - 16,180 Balance on December 31, 2019 (828,691) (4,038,210) (6,186,418) (555,816) - (11,609,135) Additions (86,954) (537,908) (846,881) (568,062) - (2,039,805) Write-off 11,020 2,263,857 359,618 - - 2,634,495 Transfers 1,765 66,717 (88,612) - - (20,130) Balance on December 31, 2020 (902,860) (2,245,544) (6,762,293) (1,123,878) - (11,034,575) Additions (108,946) (291,174) (896,705) (553,955) - (1,850,780) Write-off 38,337 940,737 448,471 572,833 - 2,000,378 Transfers - 10 (102,187) - - (102,177) Additions by Company Acquisition - - - - - - Change in scope of consolidation - - - - - - Balance on December 31, 2021 (973,469) (1,595,971) (7,312,714) (1,105,000) - (10,987,154) Losses from non-recovery (impairment) Balance on December 31, 2018 (13,859) - (50,529) - - (64,388) Impacts on results (587) - 13,050 - - 12,463 Balance on December 31, 2019 (14,446) - (37,479) - - (51,925) Impacts on results (11,162) - 7,789 - (13,387) (16,760) Balance on December 31, 2020 (25,608) - (29,690) - (13,387) (68,685) Impacts on results 3,310 - 38,729 - - 42,039 Balance on December 31, 2021 (22,298) - 9,039 - (13,387) (26,646) Carrying amount Balance on December 31, 2019 1,997,033 1,307,110 3,948,795 2,526,965 2,053 9,781,957 Balance on December 31, 2020 1,888,277 1,538,102 3,671,674 2,451,198 (12,140) 9,537,111 Balance on December 31, 2021 1,803,756 1,690,184 2,982,561 2,319,424 (12,140) 8,783,785

Intangible assets - Goodwill (T

Intangible assets - Goodwill (Tables)	12 Months Ended
	Dec. 31, 2021
Breakdown	Breakdown Thousand of reais 2021 2020 2019 Breakdown Banco ABN Amro Real S.A. (Banco Real) 27,217,565 27,215,749 27,217,565 Toro Corretora de Títulos e Valores Mobiliários Ltda. 305,937 - - Liderança Serviços Especializados em Cobranças Ltda. 237,663 - - Olé Consignado (current denomination of Banco Bonsucesso Consignado) 62,800 62,800 62,800 Solutions 4Fleet Consultoria Empresarial S.A. 32,613 - - Return Capital Serviços de Recuperação de Créditos S.A. (current denomination of 24,346 24,346 24,346 Santander Brasil Tecnologia S.A. 16,381 16,381 16,382 Paytec Tecnologia em Pagamentos Ltda. 11,336 - - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 5,271     -     - Banco PSA Finance Brasil S.A. 1,557     1,557     1,557 Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) -     1,039,304     1,039,304 Super Pagamentos e Administração de Meios Eletrônicos Ltda. (Super) -     -     13,050 Total 27,915,469 28,360,137 28,375,004
Main assumptions	Main assumptions Commercial Banking 2021 2020 2019 Main assumptions: Basis of determining recoverable amounts Value in use: cash flows Period of the projections of cash flows (1) 5 years 5 years 5 years Growth rate perpetual (1) 4.8% 4.3% 4.8% Discount rate (2) 12.3% 12.4% 12.5% (1) The projections of cash flow are prepared using Management´s growth plans and internal budget, based on historical data, market expectations and conditions such as industry growth, interest rate and inflation. (2) The discount rate is calculated based on the capital asset pricing model (CAPM). The discount rate before tax is 18.77% (2020 – 19.56% and 2019 – 17.88%).
Changes of goodwill	Changes of goodwill Thousand of reais 2021 2020 2019 Balance at beginning of the year 28,360,137 28,375,004 28,378,288 Additions (loss): Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) (1,039,304) - - Toro Corretora de Títulos e Valores Mobiliários Ltda. 305,937 - - Liderança Serviços Especializados em Cobranças Ltda. 237,663 - - Solution 4Fleet Consultoria Empresarial S.A. 32,613 - - Paytec Tecnologia em Pagamentos Ltda. 11,336 - - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 5,271 - - Others 1,816 (14,867) (3,284) Balance at end of the year 27,915,469 28,360,137 28,375,004

Intangible assets - Other int_2

Intangible assets - Other intangible assets (Tables)	12 Months Ended
	Dec. 31, 2021
The details, by asset category, of the other intangible assets in the consolidated balance sheets are as follows:	The details, by asset category, of the other intangible assets in the consolidated balance sheets are as follows: Cost IT Developments Other Assets Total Balance on December 31, 2018 6,910,273 411,071 7,321,344 Additions 1,290,686 15,757 1,306,443 Write-off (2,544,403) (130,622) (2,675,025) Transfers (26,758) (2,481) (29,239) Balance on December 31, 2019 5,629,798 293,725 5,923,523 Additions 990,184 73,238 1,063,422 Write-off (240,626) (7,803) (248,429) Transfers (25,515) 3,036 (22,479) Balance on December 31, 2020 6,353,841 362,196 6,716,037 Additions 1,429,459 71,103 1,500,562 Write-off (633,534) (3,270) (636,804) Transfers (124,157) - (124,157) Balance on December 31, 2021 7,025,609 430,029 7,455,638 Accumulated amortization Balance on December 31, 2018     (5,032,693) (311,950) (5,344,643) Additions (501,682) (19,339) (521,021) Write-off 2,326,982 79,945 2,406,927 Transfers (241,395) (288) (241,683) Balance on December 31, 2019 (3,448,788) (251,632) (3,700,420) Additions (534,000) (5,322) (539,322) Balance on December 31, 2020 (3,982,788) (256,954) (4,239,742) Additions (569,370) (13,771) (583,141) Write-off 343,216 (4,558) 338,658 Balance on December 31, 2021 (4,208,942) (275,283) (4,484,225) Losses from non-recovery (Impairment) - IT IT developments Other assets Total Balance on December 31, 2018 (320,710) (15,291) (336,001) Impact on net profit (1) 110,466 - 110,466 Write-off 207,925 15,291 223,216 Balance on December 31, 2019 (2,319) - (2,319) Impact on net profit (1) (66,269) -    (66,269) Transfers (1,346) - (1,346) Balance on December 31, 2020 (69,934) - (69,934) Impact on net profit (1) (23,066) (7,094) (30,160) Write-off - - - Balance on December 31, 2021 (93,000) (7,094) (100,094) Carrying amount Balance on December 31, 2019 2,178,691 42,093 2,220,784 Balance on December 31, 2020 2,301,119 105,242 2,406,361 Balance on December 31, 2021 2,723,667 147,652 2,871,319 (1) Refers to the impairment of assets in the acquisition and development of software. The loss in the acquisition and development of

Other assets (Tables)

Other assets (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown of the balance of “Other assets” is as follows	The breakdown of the balance of “Other assets” is as follows Thousand of reais 2021 2020 2019 Customer relationships 922,860 1,873,048 1,926,536 Prepayments and accrued income 797,365 1,007,792 1,059,223 Contractual guarantees of former controlling stockholders (Note 22.c.5) 496 496 103,272 Actuarial asset (Note 21) 287,808 361,149 346,422 Other receivables (1) 4,040,499 3,979,926 1,625,884 Total 6,049,028 7,222,411 5,061,337 (1) Corresponds mainly to receivables from third parties.

Deposits from the Brazilian C_2

Deposits from the Brazilian Central Bank and Deposits from credit institutions (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Classification, type and currency, of the balances	The breakdown, by classification, type and currency, of the balances of these items is as follows: Classification, type and currency, of the balances Thousand of reais 2021 2020 2019 Classification: Financial liabilities at amortized cost 121,005,909 131,656,962 99,271,415 Total 121,005,909 131,656,962 99,271,415 Type: Deposits on demand (1) 126,203 296,340 685,026 Time deposits (2) 75,754,363 76,489,490 56,602,470 Repurchase agreements 45,125,343 54,871,132 41,983,919 Of which: Backed operations with Private Securities (3) 13,478,131 13,843,463 9,506,255 Backed operations with Government Securities 31,647,212 41,027,669 32,477,663 Total 121,005,909 131,656,962 99,271,415 (1) Non-interest bearing accounts. (2) Includes operations with credit institutions resulting from export and import financing lines, transfers from the country (BNDES and Finame) and abroad, and other credit lines abroad. (3) Refers primarily to repurchase agreements backed by own-issued debentures.
Deposits from the Brazilian Central Bank and Deposits from credit institutions - by currency	Deposits from the Brazilian Central Bank and Deposits from credit institutions - by currency Thousand of reais 2021 2020 2019 Currency: Reais 62,322,887 77,743,482 58,282,793 Euro 9,309 13,156 39,522 US dollar 58,673,713 53,900,324 40,949,100 Total 121,005,909 131,656,962 99,271,415

Client deposits (Tables)

Client deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Client Deposits
Balance of Customer deposits	The breakdown, by classification and type, of the balance of “Customer deposits” is as follows: Balance of Customer deposits Thousand of reais 2021 2020 2019 Classification: Financial liabilities at amortized cost 468,961,069 445,813,972 336,514,597 Total 468,961,069 445,813,972 336,514,597 Type: Demand deposits Current accounts (1) 41,742,247 35,550,105 28,231,479 Savings accounts 65,248,913 62,210,443 49,039,857 Time deposits 280,955,456 269,929,085 200,739,544 Repurchase agreements 81,014,453 78,124,340 58,503,717 Of which: Backed operations with Private Securities (2) 20,103,099 14,944,250 9,506,255 Backed operations with Government Securities 60,911,354 63,180,090 48,997,462 Total 468,961,069 445,813,972 336,514,597 (1) Non-interest bearing accounts. (2) Refers primarily to repurchase agreements backed by own-issued debentures.

Marketable debt securities (Tab

Marketable debt securities (Tables)	12 Months Ended
	Dec. 31, 2021
Marketable Debt Securities
The breakdown, by classification and type, of the balance of “Marketable debt securities” is as follows:	The breakdown, by classification and type, of the balance of “Marketable debt securities” is as follows: Thousand of reais 2021 2020 2019 Classification: Financial liabilities at amortized cost 79,036,792 56,875,514 73,702,474 Total 79,036,792 56,875,514 73,702,474 Type: Real estate credit notes - LCI (1) 21,459,182 18,846,138 21,266,079 Eurobonds 12,952,068 9,399,277 8,715,382 Treasury Bills (2) 25,074,264 12,749,911 27,587,340 Agribusiness credit notes - LCA 16,989,434 14,746,831 14,776,877 Guaranteed Real Estate Credit Notes (3) 2,561,845 1,133,356 1,356,796 Total 79,036,792 56,875,514 73,702,474 (1) Real estate credit bills are fixed-income securities backed by real estate credits and guaranteed by mortgage or fiduciary sale of real estate. On December 31, 2021, they mature between 2022 and 2028 (2020 - with maturity between 2021 to 2027 2019 - with maturity between 2020 to 2026). (2) The main characteristics of the financial bills are a minimum term of two years, a minimum face value of R$50 and early redemption permit of only 5% of the issued amount. As of December 31, 2021, they mature between 2022 and 2031 (2020 – with maturity between 2021 to 2025 and 2019 – with maturity between 2020 to 2025). (3) Guaranteed Real Estate Bills are fixed-income securities backed by real estate credits guaranteed by the issuer and by a pool of real estate credits separated from the other assets of the issuer. As of December 31, 2021, they have a maturity period between 2022 and 2035 (12/31/20120- with a maturity period between 2021 and 2023).
Indexers	Indexers Indexers: Domestic Abroad Treasury Bills 100% to 112% of CDI - 100% of IGPM - 100% of IPCA - Pre fixed: 3.41% to 16.97% - 104.75% of SELIC - Real estate credit notes - LCI 86% to 105.8% of CDI - Pre fixed: 3.03% of 13.29% - 100% of IPCA - 1.5% to 1.7% of IPCA - 100% of TR - Agribusiness credit notes - LCA 70% to 104% of CDI - 3.33% to 12.33% da SELIC Guaranteed Real Estate Credit Notes - LIG 94% to 98% of CDI - 95% TO 108.5 do IPCA Eurobonds - 0.0% to 9% - CDI+6.4%
The breakdown, by currency, of the balance of this account is as follows:	The breakdown, by currency, of the balance of this account is as follows: Thousand of reais Currency: 2021 2020 2019 Real 66,084,725 47,490,706 64,987,092 US dollar 12,952,068 9,384,808 8,715,382 Total 79,036,792 56,875,514 73,702,474 Average interest (%) Currency: 2021 2020 2019 Real 1.5% 2.5% 5.0% US dollar 5.7% 5.2% 4.1% Total 3.5% 3.9% 4.5%
The variations in the balance “Obligations for bonds and securities” were as follows	The variations in the balance “Obligations for bonds and securities” were as follows Thousand of reais 2021 2020 2019 Balance at beginning of the year 56,875,514 73,702,474 74,626,232 Issuances 101,784,961 60,047,656 53,017,039 Payments (97,220,580) (82,900,914) (61,914,716) Interest (Note 32) 4,536,849 2,785,942 5,138,306 Exchange differences and Others (1) 13,060,048 3,240,356 2,835,613 Balance at end of the year 79,036,792 56,875,514 73,702,474 (1) Exchange variation linked to “Obligations for bonds and securities” are related to Eurobonds.
The breakdown of "Bonds and other securities" is as follows	The breakdown of "Bonds and other securities" is as follows Issuance Maturity Currency Interest rate (p.y) 2021 2020 2019 Eurobonds 2017 2020 BRL 4.4% - - 929,042 Eurobonds 2018 2020 USD Until 3.5% - - 37,476 Eurobonds 2018 2020 USD Over 3.5% - - 35,438 Eurobonds 2019 2020 USD 0% to 4.4% - - 3,556,724 Eurobonds 2017 2025 USD 4.4% 117,150 14,469 63,181 Eurobonds 2018 2025 USD 0% to 4.4% 771,300 - Eurobonds 2017 2024 USD 2.4% to 10% - 853,929 664,996 Eurobonds 2018 2024 USD 6.6% to 6.7% - 1,625,192 1,260,099 Eurobonds 2018 2025 USD Until 9% - 1,720,187 1,427,601 Eurobonds 2019 2025 USD 0% to 4.4% 225,533 - - Eurobonds 2019 2026 USD 4.4% 75,716 - - Eurobonds 2019 2027 USD 0% to 4.4% 632,831 - - Eurobonds 2020 2022 USD 4.4% 306,253 - - Eurobonds 2020 2023 USD 0% to 4.4% 455,666 - - Eurobonds 2019 2027 USD CDI+6.4% - 1,279,506 727,118 Eurobonds 2020 2021 USD 0% to 4% - 3,252,482 - Eurobonds 2020 2021 USD CDI+1.9% - 170,257 - Eurobonds 2020 2022 USD 0% to 4% - 16,923 - Eurobonds 2020 2022 USD CDI+1.9% - 121,926 - Eurobonds 2020 2025 USD 0% to 8% 46,655 22,888 - Eurobonds 2020 2023 USD CDI+1.9% - 223,435 - Eurobonds 2020 2024 USD CDI+1.9% - 98,082 - Eurobonds 2021 2022 USD 0% a 4.4% 2,005,534 - - Eurobonds 2021 2022 USD Until 9% 41,749 - - Eurobonds 2021 2022 USD CDI+1.9% 205,624 - - Eurobonds 2021 2022 USD CDI + 2.65% 181,116 - - Eurobonds 2021 2023 USD 0% to 4.4% 408,824 - - Eurobonds 2021 2023 USD CDI+1.9% 157,370 - - Eurobonds 2021 2023 USD CDI + 2.65% 5,316 - - Eurobonds 2021 2024 USD 0% to 4.4% 246,192 - - Eurobonds 2021 2025 USD 0% to 4.4% 593,036 - - Eurobonds 2021 2026 USD 0% to 4.4% 3,890,578 - - Eurobonds 2021 2026 USD CDI + 2.65% 210,639 - - Eurobonds 2021 2027 USD 0% to 4.4% 101,029 - - Eurobonds 2021 2028 USD Until 9% 30,126 - - Eurobonds 2021 2028 USD CDI+6.4% 26,018 - - Eurobonds 2021 2031 USD 0% a 4.4% 2,217,811 - - Other - - 13,707 Total 12,952,068 9,399,276 8,715,382

Debt Instruments Eligible to _2

Debt Instruments Eligible to Compose Capital (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Instruments Eligible To Compose Capital
Changes in the balance of Debt Instruments Eligible to Compose Capital	Details of the balance of "Debt Instruments Eligible to Compose Capital" for the issuance of such instruments to compose the Tier I and Tier II of regulatory capital due to the Regulatory Capital Optimization Plan, are as follows: 2021 2020 2019 Issuance Maturity Issuance Value Interest Rate (p.a.) Tier I (1) nov-18 No-Maturity US$1,250 7.250% 7,050,080 6,554,451 5,092,153 Tier II (1) nov-18 nov/28 US$1,250 6.125% 7,038,527 6,565,209 5,083,808 Financial Bills - Tier II (2) nov-21 nov-31 R$ 5,300 CDI+2% 5,351,046 - - Financial Bills - Tier II (2) dez-21 dez-31 R$ 200 CDI+2% 201,755 - - Total 19,641,408 13,119,660 10,175,961 (1) The issues were carried out through the Cayman Branch and there is no Income Tax at source, and interest is paid semiannually, as of May 8, 2019. (2) Letras Financeiras issued in November 2021 have a redemption and repurchase option. Notes have the following common characteristics: (a) Unit value of at least US$150 thousand and in integral multiples of US$1 thousand which exceeds such minimum value; (b) The Notes may be repurchased or redeemed by Banco Santander after the 5th (fifth) anniversary from the date of issue of the Notes, at the Bank's sole discretion or due to changes in the tax legislation applicable to the Notes; or at any time, due to the occurrence of certain regulatory events. Changes in the balance of Debt Instruments Eligible to Compose Capital 2021 2020 2019 Balance at beginning of the year 13,119,660 10,175,961 9,779,944 Issuance - Tier II 5,500,000 - - Interest payment Tier I (1) 505,300 506,771 272,947 Interest payment Tier II (1) 449,899 402,622 230,594 Exchange differences / Others 977,855 2,948,951 221,368 Payments of interest - Tier I (493,071) (495,789) (178,278) Payments of interest - Tier II (418,235) (418,856) (150,614) Balance at end of the year 19,641,408 13,119,660 10,175,961 (1) The remuneration of interest relating to the Debt Instruments Eligible to Compose Capital Tier I and II was recorded against income for the period as "Interest expense and similar charges" (Note 32).
Changes in the balance of Debt Instruments Eligible to Compose Capital	Changes in the balance of Debt Instruments Eligible to Compose Capital 2021 2020 2019 Balance at beginning of the year 13,119,660 10,175,961 9,779,944 Issuance - Tier II 5,500,000 - - Interest payment Tier I (1) 505,300 506,771 272,947 Interest payment Tier II (1) 449,899 402,622 230,594 Exchange differences / Others 977,855 2,948,951 221,368 Payments of interest - Tier I (493,071) (495,789) (178,278) Payments of interest - Tier II (418,235) (418,856) (150,614) Balance at end of the year 19,641,408 13,119,660 10,175,961 (1) The remuneration of interest relating to the Debt Instruments Eligible to Compose Capital Tier I and II was recorded against income for the period as "Interest expense and similar charges" (Note 32).

Other financial liabilities (Ta

Other financial liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
Other Financial Liabilities
The breakdown of the balances of these items is as follows:	The breakdown of the balances of these items is as follows: Thousand of reais 2021 2020 2019 Credit card obligations 45,976,315 48,912,963 38,531,519 Unsettled financial transactions (1) 10,861,143 7,210,396 7,239,785 Dividends and Interest on Capital payable 1,029,952 1,223,310 7,826,247 Tax collection accounts - Tax payables 969,939 864,292 883,768 Liability associated with the transfer of assets (Note 9.g) 40,511 55,105 75,500 Other financial liabilities (2) 10,030,440 8,595,084 6,328,551 Total 68,908,300 66,861,150 60,885,370 (1) Includes operations to settle with B3 S.A. (Current Company Name of BM&FBovespa) and payment orders in foreign currency. (2) Refers substantially to cancelable financial liabilities, designated at fair value through profit or loss.

Provisions for pensions and s_2

Provisions for pensions and similar obligations (Tables)	12 Months Ended
	Dec. 31, 2021
Funding status of the defined benefit obligations	The funding status of the defined benefit obligations in 2021 Funding status of the defined benefit obligations 2021 2020 2019 Present value of the obligations - Post-employment plans: To current employees 320,202 478,837 687,786 Vested obligations to retired employees 26,183,758 28,202,580 27,369,696 Total 26,503,960 28,681,417 28,057,482 Less: Fair value of plan assets 28,321,826 28,634,891 25,822,890 Unrecognized assets (1) (3,645,083) (2,762,220) (1,346,547) Provisions – Post-employment plans, net 1,827,217 2,808,746 3,581,139 Present value of the obligations - Other similar obligations: To current employees 97,004 135,902 204,439 Vested obligations to retired employees 5,026,865 5,782,124 6,047,368 Total 5,123,869 5,918,026 6,251,807 Less: Fair value of plan assets 5,096,262 5,398,667 5,222,517 Unrecognized assets (1) (585,495) (240,010) - Provisions – Other similar obligations, net 613,101 759,370 1,029,290 Total provisions for pension plans, net 2,440,318 3,568,115 4,610,429 Of which: Actuarial provisions 2,728,126 3,929,265 4,960,620 Actuarial assets (note 15) 287,808 361,149 350,191 (1) Refers to fully funded surplus plans Banesprev I and III, Sanprev I,II and III and Bandeprev.
amounts recognized in the consolidated income statement in relation to the aforementioned defined benefit obligations	The amounts recognized in the consolidated income statement in relation to the aforementioned defined benefit obligations Post-Employment Plans 2021 2020 2019 Staff costs - Current service costs (note 39) 1,799 4,186 2,774 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) (81,681) 108,268 149,232 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) 252,608 97,291 100,346 Other movements - 2,117 16,786 (1,101) Total 174,843 226,532 251,251
Amounts recognized in the consolidated income statement in relation to defined benefit obligations - Other Similar Obligations	Amounts recognized in the consolidated income statement in relation to defined benefit obligations - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Staff costs - Current service costs (note 39) 6,820 5,860 8,142 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) 14,985 71,374 61,845 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) 31,500 - 3,173 Other movements - (135) (142) 22,624 Total 53,170 77,092 95,784
changes in the present value of the accrued defined benefit obligations	The changes in the present value of the accrued defined benefit obligations Post-Employment Plans 2021 2020 2019 Present value of the obligations at beginning of year 28,681,417 28,057,482 24,013,207 Current service cost (Note 39) 1,799 4,186 2,774 Interest cost 1,971,031 1,940,515 2,087,484 Benefits paid (2,159,866) (2,060,960) (1,960,103) Actuarial (gains)/losses (1,992,512) 722,261 3,908,350 Others 2,091 17,933 5,770 Present value of the obligations at end of year 26,503,960 28,681,417 28,057,482
changes in the fair value of the plan assets	Changes in the present value of the accrued defined benefit obligations - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Present value of the obligations at beginning of year 5,918,026 6,251,807 4,789,072 Current service cost (Note 39) 6,820 5,860 8,142 Interest cost 417,536 448,836 443,837 Benefits paid (373,341) (337,742) (378,782) Actuarial (gains)/losses (845,173) (450,735) 1,366,837 Other - - 22,701 Present value of the obligations at end of year 5,123,869 5,918,026 6,251,807 The changes in the fair value of the plan assets Post-Employment Plans 2021 2020 2019 Fair value of plan assets at beginning of year 28,634,891 25,822,890 22,708,990 Interest (Expense) Income 2,052,712 1,832,247 1,938,252 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net (791,317) 2,994,598 3,087,544 Contributions/(surrenders) 589,006 49,716 51,807 Of which: By the Bank 585,437 44,970 44,752 By plan participants 3,569 4,746 7,055 Benefits paid (2,159,866) (2,060,960) (1,960,103) Exchange differences and other items (3,600) (3,600) (3,600) Fair value of plan assets at end of year 28,321,826 28,634,891 25,822,890
changes in the fair value of the plan assets	The changes in the fair value of the plan assets Post-Employment Plans 2021 2020 2019 Fair value of plan assets at beginning of year 28,634,891 25,822,890 22,708,990 Interest (Expense) Income 2,052,712 1,832,247 1,938,252 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net (791,317) 2,994,598 3,087,544 Contributions/(surrenders) 589,006 49,716 51,807 Of which: By the Bank 585,437 44,970 44,752 By plan participants 3,569 4,746 7,055 Benefits paid (2,159,866) (2,060,960) (1,960,103) Exchange differences and other items (3,600) (3,600) (3,600) Fair value of plan assets at end of year 28,321,826 28,634,891 25,822,890
Changes in the fair value of the plan assets - Other Similar Obligations	Changes in the fair value of the plan assets - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Fair value of plan assets at beginning of year 5,398,667 5,222,517 4,157,251 Interest (Expense) Income 402,551 377,462 381,992 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense (521,100) (34,409) 915,626 Contributions/(surrenders) 151,926 132,416 107,037 Of which: By the Bank 151,926 132,416 107,037 Benefits paid (335,781) (299,319) (339,389) Fair value of plan assets at end of year 5,096,263 5,398,667 5,222,517
Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses	Breakdown of gains (losses) actuarial by experience, financial assumptions and demographic hypotheses: Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses Post-Employment Plans 2021 2020 2019 Experience Plan (2,640,120) (807,895) (446,444) Changes in Financial Assumptions 4,632,632 85,634 (2,615,119) Changes in Financial Demographic - - 1,228 Gain (Loss) Actuarial - Obligation 1,992,512 (722,261) (3,060,335) Return on Investment, Return Unlike Implied Discount Rate (791,317) 2,994,598 2,624,960 Gain (Loss) Actuarial - Asset (791,317) 2,994,598 2,624,960 Changes in Surplus / Deficit Uncollectible (630,255) (1,318,382) (164,428)
Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses - Other Similar Obligations	Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses - Other Similar Obligations Other Similar Obligations 2021 2020 2019 Experience Plan (290,878) 289,237 (209,175) Changes in Financial Assumptions 1,136,497 182,120 (1,157,662) Changes in Financial Demographic (446) (20,621) - Gain (Loss) Actuarial - Obligation 845,173 450,735 (1,366,837) Return on Investment, Return Unlike Implied Discount Rate (521,100) (34,409) 915,626 Gain (Loss) Actuarial - Asset (521,100) (34,409) 915,626 Changes in Surplus Uncollectible (313,984) (240,010) 71,698
experience adjustments arising from plan assets and liabilities	The experience adjustments arising from plan assets and liabilities Post - Employment Plans 2021 2020 2019 Experience in Net Assets Adjustments (791,317) 2,994,598 2,624,960 Other Similar Obligations 2021 2020 2019 Experience in Net Assets Adjustments (521,100) (34,409) 915,626
amounts of actuarial obligation of defined benefit plans not covered and defined benefit plans partially or totally covered	The amounts of actuarial obligation of defined benefit plans not covered and defined benefit plans partially or totally covered 2021 2020 2019 Defined benefit plans uninsured 613,101 759,370 815,929 Defined benefit plans partially or totally covered 31,014,727 33,840,073 33,493,360
main categories of plan assets as a percentage of total plan assets	The main categories of plan assets as a percentage of total plan assets 2021 2020 2019 Debt instruments 96.68% 97.41% 92.92% Properties 0.17% 0.17% 0.26% Other 3.15% 2.45% 6.82%
estimated benefits payable	The following table shows the estimated benefits payable December 31, 2021 2022 2,511,841 2023 2,561,598 2024 2,608,572 2025 2,651,957 2026 2,691,303 2027 to 2031 13,884,478 Total 26,909,749
change of one percentage point in the medical care cost rates	Assumptions about the rates related to medical care costs have a significant impact on the amounts recognized in income. The change of one percentage point in the medical care cost rates Sensitivity 2021 2020 2019 Current Service Cost and Interest Present Value of Obligations Current Service Cost and Interest Present Value of Obligations Current Service Cost and Interest Present Value of Obligations Discount Rate (+)0,5% (25,444) (305,114) (28,711) (402,547) (31,672) (440,072) (-)0,5% 28,133 337,349 32,099 450,049 35,572 494,257 Boards of Mortality Applied (+) 2 years (44,619) (535,039) (47,637) (667,904) (51,720) (718,632) Applied (-) 2 years 47,934 574,793 54,226 760,289 56,687 787,636 Cost of Medical Care (+)0,5% 31,280 375,089 34,718 486,769 38,388 533,380 (-)0,5% (28,762) (344,891) (31,637) (443,569) (35,060) (487,146)
ration of the actuarial liabilities of the plans sponsored	The following table shows the du ration of the actuarial liabilities of the plans sponsored Plans Post - Employment Plans Duration (in years) Banesprev Plans I 12.57 Banesprev Plans II 12.92 Banesprev Plans III 11.54 Banesprev Plans IV 14.82 Banesprev Plans V 9.51 Banesprev Pre-75 10.45 Sanprev I 6.79 Sanprev II 12.76 Sanprev III 11.06 Bandeprev Basic 10.53 Bandeprev Special I 7.23 Bandeprev Special II 6.46 SantanderPrevi 8.11 CACIBAN / DAB / DCA 7.27 5.93 6.47
Duration of the actuarial liabilities of the plans sponsored - Other Similar Obligations	Duration of the actuarial liabilities of the plans sponsored - Other Similar Obligations Plans Other Similar Obligations Cabesp 16.03 Bandepe 18.03 Free Clinic 12.28 Lifetime officers 9.36 Health officers 30.28 Circulars (1) 11.62 E 12.97 Life Insurance 8.04 (1) The duration 12.15 refers to the plan of Former Employees of Banco ABN Amro and 11.93 to the plan of Former Employees of Banco Real.
Actuarial Assumptions Adopted in Calculations	Actuarial Assumptions Adopted in Calculations 2021 2020 2019 Pension Health Pension Health Pension Health Nominal Discount Rate for Actuarial Obligation 8.4% 8.4% 6.8% 7.1% 7.1% 7.2% Rate Calculation of Interest Under Assets to the Next Year 8.4% 8.4% 6.8% 7.1% 7.1% 7.2% Estimated Long-term Inflation Rate 3.0% 3.0% 3.3% 3.3% 3.5% 3.5% Estimated Salary Increase Rate 3.5% N/A 3.8% N/A 4.0% 4.0% Mortality tables AT2000 AT2000 AT2000 AT2000 AT2000 AT2000

Provisions for judicial and a_2

Provisions for judicial and administrative proceedings, commitments and other provisions (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown of the balance of Provisions	The breakdown of the balance of “Provisions” is as follows: The breakdown of the balance of Provisions Thousand of reais 2021 2020 2019 Pension fund provisions and similar requirements 2,728,126 3,929,265 4,960,620 Provisions for lawsuits and administrative proceedings, commitments and other provisions 8,876,356 9,885,713 11,371,205 Judicial and administrative proceedings under the responsibility of former controlling stockholders (Note 15) 496 496 103,272 Judicial and administrative proceedings 7,668,914 8,648,892 9,226,735 Of which: Civil 3,231,004 3,429,155 3,201,061 Labor 2,071,811 2,886,990 3,504,296 Tax and Social Security 2,366,099 2,332,747 2,521,378 Provisions for contingent commitments (Note 22.b.1) 908,027 724,779 683,918 Others provisions 298,919 511,546 1,357,280 Total 11,604,482 13,814,978 16,331,825
Changes in Provisions	The changes in “Provisions” were as follows: Changes in Provisions Thousand of reais 2021 Pensions (1) Other Provisions Total Balance at beginning of year 3,929,265 9,885,713 13,814,978 Additions charged to income: Interest expense and similar charges 217,413 - 217,413 Personnel Expenses (Note 39) 8,619 - 8,619 Constitutions / Reversals and Adjustment of provisions (1,618) 1,997,788 1,996,170 Other Comprehensive Income (833,511) - (833,511) Additions to provisions for contingent commitments - 183,248 183,248 Payments to external funds (619,086) - (619,086) Amount paid - (3,222,395) (3,222,395) Transfer to other assets - actuarial assets (Note 15) 27,045 - 27,045 Transfers, exchange differences and other changes - 32,002 32,002 Balance at end of year 2,728,126 8,876,356 11,604,482 Thousand of reais 2020 Pensions (1) Other Provisions Total Balance at beginning of year 4,960,620 11,365,589 16,326,209 Additions charged to income: Interest expense and similar charges 276,933 - 276,933 Personnel Expenses (Note 39) 10,046 - 10,046 Constitutions / Reversals and Adjustment of provisions 13,044 1,565,402 1,578,446 Other Comprehensive Income (1,133,245) - (1,133,245) Additions to provisions for contingent commitments - 40,861 40,861 Payments to external funds (215,829) - (215,829) Amount paid - (3,136,423) (3,136,423) Transfer to other assets - actuarial assets (Note 15) 17,695 - 17,695 Transfers, exchange differences and other changes - 50,284 50,284 Balance at end of year 3,929,265 9,885,713 13,814,978 Thousand of reais 2019 Pensions (1) Other Provisions Total Balance at beginning of year 3,357,654 11,338,244 14,695,898 Additions charged to income: Interest expense and similar charges 314,596 - 314,596 Personnel Expenses (Note 39) 10,917 - 10,917 Constitutions / Reversals and Adjustment of provisions 21,523 2,936,187 2,957,710 Other Comprehensive Income 1,416,815 - 1,416,815 Additions to provisions for contingent commitments - (57,651) (57,651) Payments to external funds (183,899) - (183,899) Amount paid - (2,865,087) (2,865,087) Transfer to other assets - actuarial assets (Note 15) 23,014 - 23,014 Transfers, exchange differences and other changes - 19,512 -    19,512 Balance at end of year 4,960,620 11,371,205 16,331,825 (1) For further information, see note 22. Provisions for pension funds and similar obligations.
Movement of provisions	According to note 1.iii, IFRS 9 requires that the provision for expected credit losses be recorded for contracts of financial guarantees rendered, which have not yet been honored. Provision expense reflecting credit risk should be measured and accounted for when the honor of these guarantees occurs and the client accused does not comply with its contractual obligations. The movement of these provisions in 2021 and 2020 is as follows: Movement of provisions Thousand of reais 2021 2020 2019 Balance at beginning of year 724,779 683,918 626,267 Creation of provision for contingent commitments 183,248 40,861 57,651 Balance at end of year 908,027 724,779 683,918

Tax assets and liabilities (Tab

Tax assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
The total charge for the year can be reconciled to accounting profit as follows:	The total charge for the year can be reconciled to accounting profit as follows: Thousand of reais 2021 2020 2019 Operating Profit Before Tax 24,750,329 9,663,975 22,273,149 Operating Profit Before Tax 24,750,329 9,663,975 22,273,149 Rates (25% income tax and 25% social contribution tax) (12,375,164) (4,348,789) (8,909,260) PIS and COFINS (net of income and social contribution taxes) (1,679,789) (1,589,260) (1,983,839) Non-taxable/Non-deductible: Equity in affiliates 72,114 85,723 59,795 Goodwill (559,247) (183,854) (137,175) Exchange variation - foreign branches (2) 768,902 6,831,484 715,424 Net Indeductible Expenses of Non-Taxable Income (3) (230,958) (57,663) 214,242 Adjustments: Constitution of income and social contribution taxes on temporary differences 264,191 551,983 70,223 Effects of change in rate of social contribution taxes 1,820,072 1,478,138 1,604,000 CSLL Aliquot Differential Effect (4) 1,192,687 353,777 2,796,493 Other adjustments 1,536,187 665,239 (71,602) Income taxes (9,191,005) 3,786,778 (5,641,699) Of which: Current tax (6) (8,087,119) (5,111,380) (6,692,328) Deferred taxes (1,103,886) 8,898,158 1,050,629 Taxes paid in the year (4,534,538) (1,269,150) (5,301,184) (1) PIS and COFINS are considered as components of the profit base (net base of certain income and expenses); therefore, and in accordance with IAS 12, they are accounted for as income taxes. (2) Permanent differences related to investment in overseas subsidiaries are considered to be non-taxable/deductible (see details below). (3) Mainly includes the tax effect on income from judicial deposit updates and other income and expenses that do not qualify as temporary differences (4) Effect of the rate differential for other non-financial and financial companies, whose social contribution rates are 9% and 20%
Foreign exchange variations recorded as a result of foreign investments	Tax distinct treatment from such exchange rate differences results in volatility in "Operating Income Before Tax" and "Income taxes". The foreign exchange variations recorded as a result of foreign investments in the year ended on December 31, 2021 2020 2019 Foreign exchange variations recorded as a result of foreign investments 2021 2020 2019 Exchange differences (net) Result generated by the exchange rate variations on the Bank's investment in the Cayman, Luxemburg and EFC Branch 3,862,128 16,791,857 1,512,322 Gains (losses) on financial assets and liabilities (net) Result generated by derivative contracts used as hedge (6,374,108) (30,374,869) (2,776,601) Income Taxes Tax effect of derivative contracts used as hedge - PIS / COFINS 275,052 311,819 (106,497) Tax effect of derivative contracts used as hedge - IR / CS 2,236,928 13,271,193 1,370,776
The effective tax rate	The effective tax rate is as follows: The effective tax rate Thousand of reais 2021 2020 2019 Operating Profit Before Tax 24,750,328 9,663,975 22,273,149 Income tax 9,191,005 (3,786,778) 5,641,699 Effective tax rate 37.13% (39.18%) 25.33%
The Bank recognized the following amounts in consolidated equity	In addition to the income tax recognized in the consolidated income statement, the Bank recognized the following amounts in consolidated equity: The Bank recognized the following amounts in consolidated equity Thousand of reais 2021 2020 2019 Tax credited to equity 4,583,297 3,008,035 3,517,590 Measurement at fair value through other comprehensive income 1,978,165 472,472 416,748 Measurement of cash flow hedges 388,307 1,533 186 Measurement of investment hedges 562,353 562,353 562,353 Defined benefit plan 1,654,472 1,971,677 2,538,303 Tax charged to equity (2,349,500) (3,087,311) (3,952,457) Measurement at fair value through other comprehensive income (2,340,394) (2,700,991) (3,618,126) Measurement of cash flow hedges - (386,284) (322,080) Defined benefit plan (9,106) (36) (12,251) Total 2,233,797 (79,276) (434,867)
Balances of Tax assets - Deferred and Tax liabilities - Deferred	The detail of the balances of “Tax assets – Deferred” and “Tax liabilities – Deferred” is as follows: Balances of Tax assets - Deferred and Tax liabilities - Deferred Thousand of reais 2021 2020 2019 Tax assets: 37,640,297 37,981,698 30,295,062 Of which: Temporary differences (1) 32,884,314 32,113,436 29,565,702 Tax loss carry forwards 4,755,983 5,693,104 367,120 Social contribution taxes 18% - 175,158 362,240 Total deferred tax assets 37,640,297 37,981,698 30,295,062 Tax liabilities: 2,225,190 4,546,595 5,540,873 Of which: Excess depreciation of leased assets - 166,903 148,839 Adjustment to fair value of trading securities and derivatives 2,225,190 4,379,692 5,392,034 Total deferred tax liabilities 2,225,190 4,546,595 5,540,873 (1) Temporary differences that refer mainly to impairment losses on loans and receivables, provisions for legal and administrative proceedings and the effect of the fair value of financial instruments.
Changes in the balances of Tax Assets - Deferred and Tax Liabilities - Deferred	The changes in the balances of “Tax Assets – Deferred” and “Tax Liabilities – Deferred” in the last three years were as follows: Changes in the balances of Tax Assets - Deferred and Tax Liabilities - Deferred Thousand of reais Balances at December 31, 2018 Adjustment to Income Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2021 Tax assets: 37,981,699 (3,609,495) 1,696,091 1,572,002 - 37,640,297 Temporary differences 32,113,436 (2,497,215) 1,696,091 1,572,002 - 32,884,315 Tax loss carry forwards 5,693,104 (937,121) - - - 4,755,983 Social contribution taxes 18% 175,159 (175,159) - - - - Tax liabilities: 4,546,595 (1,344,268) (977,137) - - 2,225,190 Temporary differences 4,546,595 (1,344,268) (977,137) - - 2,225,190 Total 33,435,104 (2,265,227) 2,673,228 1,572,002 - 35,415,107 Thousand of reais Balances at December 31, 2017 Adjustment to Income Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2020 Tax assets: 30,295,060 8,362,100 (400,583) (418,784) 161,603 37,999,396 Temporary differences 29,565,700 3,223,197 (400,583) (418,784) 161,603 32,131,133 Tax loss carry forwards 367,120 5,325,984 - - - 5,693,104 Social contribution taxes 18% 362,240 (187,081) - - - 175,159 Tax liabilities: 5,540,873 129,231 (1,063,160) (60,349) - 4,546,595 Temporary differences 5,540,873 129,231 (1,063,160) (60,349) - 4,546,595 Total 24,754,187 8,232,869 662,577 (358,435) 161,603 33,452,801 Thousand of reais Balances at December 31, 2016 Adjustment to Income Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2019 Tax assets: 27,680,578 3,693,727 471,499 (1,550,744) - 30,295,060 Temporary differences 26,416,527 4,240,405 471,499 (1,562,731) - 29,565,700 Tax loss carry forwards 846,587 (491,454) - 11,987 - 367,120 Social contribution taxes 18% 417,464 (55,224) - - - 362,240 3,031,389 781,448 1,773,065 (45,029) - 5,540,873 Temporary differences 3,031,389 781,448 1,773,065 (45,029) - 5,540,873 Total 24,649,189 2,912,279 (1,301,566) (1,505,715) - 24,754,187 (1) It relates to deferred taxes recognized in equity due to temporary differences accounted in equity. (2) In 2021, it mainly refers to net of deferred taxes amounted to R$1,572,003 (2020 - R$1,358,435 and 2019 - R$1,505,715), which have the same counterparty and realization period.
Expected realization of deferred tax assets	e) Expected realization of deferred tax assets Expected realization of deferred tax assets Tax assets Tax liabilities Year Temporary differences Tax loss carry forwards Total Temporary differences Total 2022 10,032,946 1,917,879 11,950,826 573,982 573,982 2023 10,544,315 1,781,778 12,326,093 573,982 573,982 2024 8,684,796 987,568 9,672,364 458,404 458,404 2025 1,870,257 40,732 1,910,989 546,114 546,114 2026 976,574 7,063 983,637 12,717 12,717 2027 a 2031 775,250 21,139 796,388 59,991 59,991 Total 32,884,138 4,756,159 37,640,297 2,225,190 2,225,190

Other liabilities (Tables)

Other liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown of the balance of “Other Liabilities” is as follows:	The breakdown of the balance of “Other Liabilities” is as follows: Thousand of reais 2021 2020 2019 Accrued expenses and deferred income (1) 2,649,744 5,115,936 5,038,011 Transactions in transit (3) 796,671 674,162 785,418 Provision for share-based payment 319,660 325,930 317,539 Liabilities for insurance contracts 2,011,596 1,987,577 1,901,801 Other (2) 4,723,707 5,947,640 2,878,175 Total 10,501,378 14,051,245 10,920,944 (1) Corresponds, mainly, to payments to be made - personnel expenses. (2) Includes credits for funds to be released, such as Administratives expenses, amounts due to associates and suppliers. (3) Includes mainly the amounts to transfer to the credit card companies (resources in transit) and amount to release referred to the real estate credits.

Other Comprehensive Income (Tab

Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2021
Disclosure of analysis of other comprehensive income by item [abstract]
The breakdown, by type of instrument and geographical origin of the issuer, of Other Comprehensive Income Financial assets measured at fair value through other comprehensive income (IFRS 9) on December 31, 2021 is as follows:	The breakdown, by type of instrument and geographical origin of the issuer, of Other Comprehensive Income Financial assets measured at fair value through other comprehensive income (IFRS 9) on December 31, 2021 is as follows: Thousand of reais 2021 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 6,756,252 (9,937,757) (3,181,505) 101,158,055 Private-sector debt securities 795,765 (3,965) 791,800 54,545 Total 7,552,017 (9,941,722) (2,389,705) 101,212,600 Thousand of reais 2020 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 11,061,691 (8,832,504) 2,229,187 109,317,614 Private-sector debt securities 953,043 (840,101) 112,942 38,131 Total 12,014,734 (9,672,605) 2,342,129 109,355,745 Thousand of reais 2019 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 7,251,721 (3,952,558) 3,299,163 95,961,823 Private-sector debt securities 824,294 (778,175) 46,119 1,104 Total 8,076,015 (4,730,733) 3,345,282 95,962,927

Non-controlling interests (Tabl

Non-controlling interests (Tables)	12 Months Ended
	Dec. 31, 2021
The detail, by company, of the balance of “Equity - Non-controlling interests” is as follows:	The detail, by company, of the balance of “Equity - Non-controlling interests” is as follows: Thousand of reais 2021 2020 2019 Financial Position of non-controlling interest 334,349 312,885 558,581 Santander Leasing S.A. Arrendamento Mercantil - - 447 Olé Consignado S.A. - - 271,078 Banco PSA Finance Brasil S.A. 129,289 138,644 131,222 Rojo Entretenimento S.A. 6,939 7,087 7,245 Banco Hyundai Capital 183,538 167,155 148,589 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 3,109 - - Toro Corretora de Títulos e Valores Mobiliários Ltda. 11,474 - -
Balance of Profit attributable to non-controlling interests	Balance of Profit attributable to non-controlling interests Thousand of reais 2021 2020 2019 Profit attributable to non-controlling interests 31,272 32,224 224,518 Of which: Santander Leasing S.A. Arrendamento Mercantil - (444) 3 Getnet S.A. - - 3,962 Olé Consignado S.A. - - 199,332 Banco PSA Finance Brasil S.A. 12,688 14,146 15,887 Rojo Entretenimento S.A. (148) (159) 230 Banco Hyundai Capital 21,563 18,681 2,520 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 1,569 - - Toro Corretora de Títulos e Valores Mobiliários Ltda. (4,400) - - Return Capital Serviços de Recuperação de Créditos S.A. (Current name of Ipanema Empreendimentos e Participações Ltda.) - - 2,584
The changes in the balance of “Non-controlling interests” are summarized as follows:	The changes in the balance of “Non-controlling interests” are summarized as follows: Thousand of reais 2021 2020 2019 Balance at beginning of year 312,885 558,581 529,990 Additions / disposals (net) due to change in the scope of consolidation (1) 17,415 (271,078) 51,073 Dividends paid / Interest on Capital (19,138) - (92,734) Capital increase (2) - - 100,000 Profit attributable to non-controlling interests 31,272 32,224 224,518 Update PUT Olé Consignado S.A. - - (240,000) Others (8,085) (6,842) (14,266) Balance at end of year 334,349 312,885 558,581 (1) In 2019, mainly refers to Banco Hyundai Capital, which was consolidated using the equity method. In 2020, it refers to the merger of Banco Olé Consignado S.A by the Company. In 2021, it refers to the merger of Toro Corretora de Títulos e Valores Mobiliários S.A and Gira – Gestão Integrada de Receivíveis do Agronegócio S.A. (2) In 2019, refers to the capital increase of Olé Consignado.

Shareholders_ equity (Tables)

Shareholders’ equity (Tables)	12 Months Ended
	Dec. 31, 2021
Shareholders Equity
The capital stock, fully subscribed and paid, is divided into registered book-entry shares with no par value.	The capital stock, fully subscribed and paid, is divided into registered book-entry shares with no par value. Thousand of shares 2021 2020 Common Preferred Total Common Preferred Total Brazilian residents 109,718 135,345 245,063 109,885 135,438 245,323 Foreign residents 3,708,977 3,544,491 7,253,468 3,708,810 3,544,398 7,253,208 Total shares 3,818,695 3,679,836 7,498,531 3,818,695 3,679,836 7,498,531 (-) Treasury shares (15,755) (15,755) (31,510) (18,829) (18,829) (37,658) Total outstanding 3,802,940 3,664,081 7,467,021 3,799,866 3,661,007 7,460,873 Thousand of shares 2019 Common Preferred Total Brazilian residents 90,069 115,785 205,854 Foreign residents 3,728,626 3,564,051 7,292,677 Total shares 3,818,695 3,679,836 7,498,531 (-) Treasury shares (16,702) (16,702) (33,404) Total outstanding 3,801,993 3,663,134 7,465,127
We present below the distribution of dividends and Interest on Equity made on December 31, 2021 and December 31, 2020 and 2019.	We present below the distribution of dividends and Interest on Equity made on December 31, 2021 and December 31, 2020 and 2019. 2021 Real per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Dividends (1)(5) 3,000,000 382.98 421.28 804.26 382.98 421.28 804.26 Interest on Capital (2)(5) 3,400,000 434.04 477.45 911.49 368.94 405.83 774.77 Dividends (3)(5) 3,000,000 382.98 421.28 804.26 382.98 421.28 804.26 Interest on Capital (4) (5) 249,000 31.79 34.97 66.75 27.02 29.72 56.74 Total 9,649,000 (1) Resolved by the Board of Directors on April 27, 2021, paid on June 2, 2021, without any remuneration as monetary restatement. (2) Resolved by the Board of Directors on July 27, 2021, paid on September 3, 2021, without any remuneration as monetary restatement. (3) Resolved by the Board of Directors on October 26, 2021, paid on December 3, 2021, without any remuneration as monetary restatement. (4) Resolved by the Board of Directors on December 28, 2021, paid on February 3, 2022, without any remuneration as monetary restatement. (5) They were fully imputed to the mandatory minimum dividends distributed by the Bank for the year 2021. 2020 Real per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Interest on Capital (1) (5) 890,000 113.71 125.08 238.80 96.65 106.32 202.97 Interest on Capital (2) (5) 770,000 98.37 108.21 206.58 83.62 91.98 175.61 Interest on Capital (3) (5) 1,000,000 127.76 140.54 268.30 108.59 119.45 228.04 Interest on Capital (4) (5) 665,000 84.96 93.45 178.41 72.21 79.44 151.65 Dividends (5)(6) 512,085 65.43 71.97 137.39 65.43 71.97 137.39 Total 3,837,085 (1) Resolved by the Board of Directors on April 27, 2020, paid on June 24, 2020, without any remuneration as restatement. (2) Resolved by the Board of Directors on July 28, 2020, paid on September 25, 2020, without any remuneration on account of monetary restatement. (3) Resolved by the Board of Directors on October 26, 2020, paid on December 23, 2020, without any remuneration to monetary restatement title. (4) Resolved by the Board of Directors on December 28, 2020, paid from February 1, 2021, without any remuneration by way of monetary restatement. (5) They were fully allocated to the mandatory minimum dividends to be distributed by the Bank for the year 2020. (6) Deliberated by the Board of Directors on February 2, 2021, paid on March 3, 2021, without any monetary restatement. 2019 Reais per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Interest on Capital (1) (6) 1,000,000 127.59 140.34 267.93 108.45 119.29 227.74 Interest on Capital (2) (6) 1,000,000 127.64 140.40 268.04 127.64 140.40 268.04 Interest on Capital (3) (6) 1,000,000 127.66 140.43 268.09 108.51 119.36 227.87 Interim Dividends (4) (6) 1,010,000 128.97 141.86 270.83 109.62 120.58 230.21 Interest on Capital (5) (6) 6,790,000 867.02 953.72 1,820.74 867.02 953.72 1,820.74 Total 10,800,000 (1) Resolved by the Board of Directors on March 29, 2019, paid on May 28, 2019, without any remuneration as monetary restatement. (2) Resolved by the Board of Directors on June 28, 2019, paid on July 31, 2019, without any remuneration as monetary restatement. (3) Resolved by the Board of Directors on September 30, 2019, paid on October 30, 2019, without any remuneration as monetary restatement. (4) Resolved by the Board of Directors on December 27, 2019, paid on February 21, 2020, without any remuneration as monetary restatement. (5) Resolved by the Board of Directors on December 27, 2019, paid on February 21, 2020, without any remuneration as monetary restatement. (6) The amount of interest on equity and interim dividends were fully allocated to the mandatory minimum dividends distributed by the Bank for the year 2019.
The repurchase aims to (1) maximize the generation of value for shareholders through an efficient management of the capital structure; and (2) enable the payment of administrators, management level employees and other employees of the Bank and of companies under its control, under the terms of the Long-Term Incentive Plans. The term of the Buyback Program is up to 18 months from February 3, 2021, ending on August 2, 2022.	The repurchase aims to (1) maximize the generation of value for shareholders through an efficient management of the capital structure; and (2) enable the payment of administrators, management level employees and other employees of the Bank and of companies under its control, under the terms of the Long-Term Incentive Plans. The term of the Buyback Program is up to 18 months from February 3, 2021, ending on August 2, 2022. 2021 2020 2019 Quantity Quantity Quantity Units Units Units Treasury shares at beginning of the period 18,829 16,702 13,317 Shares Acquisitions 91 5,052 6,465 Payment - Share-based compensation (3,165) (2,925) (3,080) Treasury shares at end of the period 15,755 18,829 16,702 Balance of Treasury Shares in thousand of reais R$ 711,268 R$ 789,587 R$ 679,364 R$ 1,771 R$ 1,771 R$ 1,771 Balance of Treasury Shares in thousands of reais R$ 713,039 R$ 791,358 R$ 681,135 Cost/Share Price Units Units Units Minimum cost (1) R$7.55 R$7.55 R$7.55 Weighted average cost (1) R$33.86 R$33.24 R$28.59 Maximum cost (1) R$49.55 R$49.55 R$43.84 Share Price R$29.98 R$44.83 R$42.70 (1) Considering since the beginning of operations on the stock exchange.

Earnings per share (Tables)

Earnings per share (Tables)	12 Months Ended
	Dec. 31, 2021
Basic earnings per share is calculated by dividing the net profit attributable to the Parent by the weighted average outstanding shares during the year average number, excluding the average number of own shares held during the year and held in treasury	Basic earnings per share is calculated by dividing the net profit attributable to the Parent by the weighted average outstanding shares during the year average number, excluding the average number of own shares held during the year and held in treasury 2021 2020 2019 Profit attributable to the Parent 15,528,052 13,418,529 16,406,932 Earnings per share (R$) Basic earnings per 1,000 shares (R$) Common shares 1,981.65 1,713.45 2,094.83 Preferred shares 2,179.82 1,884.80 2,304.32 Net Profit attributable - Basic (R$) Common shares 7,535,924 6,511,367 7,965,194 Preferred shares 7,992,128 6,907,162 8,441,738 Weighted average shares outstanding (in thousands) - Basic Common shares 3,802,851 3,800,140 3,802,303 Preferred shares 3,666,423 3,664,666 3,663,444
Diluted earnings per share	The diluted earnings per share is calculated by dividing the net profit attributable to the Parent by the weighted average outstanding shares during the year average number, excluding the average number of own shares held during the year and held in treasury, including the effect of dilutive potential programs long-term compensation. Diluted earnings per share 2021 2020 2019 Profit attributable to the Parent 15,528,052 13,418,529 16,406,932 Earnings per share (R$) Diluted earnings per 1,000 shares (R$) Common shares 1,981,65 1,713,45 2,094,83 Preferred shares 2,179,82 1,884,80 2,304,32 Net Profit attributable - Basic (R$) Common shares 7,535,924 6,511,367 7,965,194 Preferred shares 7,992,128 6,907,162 8,441,738 Weighted average shares outstanding (in thousand) - Diluted Common shares 3,802,851 3,800,140 3,802,303 Preferred shares 3,666,423 3,664,666 3,663,444

Fair value of financial asset_2

Fair value of financial assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
Summary of the fair values of financial assets and liabilities	The table below shows a summary of the fair values ​​of financial assets and liabilities for the years ended December 31, 2021, 2020 and 2019, classified based on the various measurement methods adopted by the Bank to determine their fair value Summary of the fair values of financial assets and liabilities 12/31/2021 Level 2 Level 3 Total Financial Assets Measured at Fair Value Through Profit or Loss 601,204 15,736,825 2,520,813 18,858,842 Debt instruments 601,204 - 2,520,813 3,122,017 Balances with The Brazilian Central Bank - 15,736,825 - 15,736,825 Financial Assets Measured at Fair Value Through Profit or Loss Held for Trading 49,462,429 20,608,008 500,228 70,570,665 Debt instruments 47,582,871 19,329 150,395 47,752,595 Equity instruments 1,879,558 85,029 56,023 2,020,610 Derivatives - 20,503,650 93,810 20,797,460 Non-Trading Financial Assets Mandatorily Measured at Fair Value Through Profit or Loss - 420,898 449,264 870,162 Equity instruments - 98,921 378,786 477,707 Loans and advances to customers - 321,977 70,478 392,455 Financial Assets Measured at Fair Value Through Other Comprehensive Income 98,977,403 1,662,779 601,605 101,241,787 Debt instruments 98,975,973 1,649,925 586,702 101,212,600 Equity instruments 1,430 12,854 14,903 29,187 Hedging derivatives (assets) - 342,463 - 342,463 Financial Liabilities Measured at Fair Value Through Profit or Loss Held For Trading - 36,484,135 468,432 36,952,567 Trading derivatives - 23,703,576 468,432 24,172,008 Short positions - 12,780,559 - 12,780,559 Financial Liabilities Measured at Fair Value Through Profit or Loss - 7,459,784 - 7,459,784 Other financial liabilities - 7,459,784 - 7,459,784 Hedging derivatives (liabilities) - 446,973 - 446,973 12/31/2020 Level 2 Level 3 Total Financial Assets Measured At Fair Value Through Profit Or Loss 588,778     57,354,806    2,956,882   60,900,466 Debt instruments 588,778 - 2,956,882 3,545,660 Balances with The Brazilian Central Bank - 57,354,806 - 57,354,806 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 70,139,962 27,508,722 817,548 98,466,232 Debt instruments 68,461,854 11,848 47,097 68,520,799 Equity instruments 1,678,108 128,251 11,917 1,818,276 Derivatives - 27,368,623 758,534 28,127,157 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss - 217,569 282,151 499,720 Equity instruments - 185,790 253,122 438,912 Loans and advances to customers - 31,779 29,029 60,808 Financial Assets Measured At Fair Value Through Other Comprehensive Income 106,456,132 1,987,234 1,297,021 109,740,387 Debt instruments 106,454,645 1,953,504 1,260,065 109,668,214 Equity instruments 1,487 33,730 36,956 72,173 Hedging derivatives (assets) - 743,463 - 743,463 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading - 76,890,170 753,121 77,643,291 Trading derivatives - 31,082,223 753,121 31,835,344 Short positions - 45,807,947 - 45,807,947 Financial Liabilities Measured At Fair Value Through Profit Or Loss - 7,038,467 - 7,038,467 Other Financial Liabilities - 7,038,467 - 7,038,467 Hedging derivatives (liabilities) - 144,594 - 144,594 12/31/2019 Level 2 Level 3 Total Financial Assets Measured At Fair Value Through Profit Or Loss 975,393     28,739,507   2,627,405     32,342,305 Debt instruments 975,393 132,277 2,627,405 3,735,075 Balances with The Brazilian Central Bank - 28,607,230 - 28,607,230 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 35,057,803 21,247,552 715,548 57,020,903 Debt instruments 33,028,333 1,726,441 130,857 34,885,631 Equity instruments 2,029,470 - - 2,029,470 Derivatives - 19,521,111 584,691 20,105,802 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 143,077 627 27,749 171,453 Equity instruments 143,077 627 27,749 171,453 Financial Assets Measured At Fair Value Through Other Comprehensive Income 93,555,527 1,612,741 951,966 96,120,234 Debt instruments 93,531,617 1,612,741 818,569 95,962,927 Equity instruments 23,910 - 133,397 157,307 Hedging derivatives (assets) - 339,932 - 339,932 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading - 45,499,913 564,757 46,064,670 Trading derivatives - 21,664,260 564,757 22,229,017 Short positions - 23,835,653 - 23,835,653 Financial Liabilities Measured At Fair Value Through Profit Or Loss - 3,719,416 1,600,000 5,319,416 Hedging derivatives (liabilities) - 200,961 - 200,961
Fair value hierarchy	The following tables demonstrate the movements during 2021, 2020 and 2019 for the financial assets and liabilities classified as Level 3 in the fair value hierarchy: Fair value hierarchy Fair Value 12/31/2020 Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2021 Financial Assets Measured At Fair Value Through Profit Or Loss 2,956,882 99,401 - (535,470) 2,520,813 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 817,548 (802,760) (36,051) 483,419 462,156 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 282,151 78,853 - 88,260 449,264 Financial Assets Measured At Fair Value Through Other Comprehensive Income 1,297,021 (268,095) - (427,322) 601,604 Financial Liabilities Measured At Fair Value Through Profit Or Loss 753,121 (337,847) (137,963) 156,272 433,583 Fair Value Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2020 Financial Assets Measured At Fair Value Through Profit Or Loss 2,627,405 83,832     (239,512)     485,157 2,956,882 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 715,548 502,596 (231,468)     (169,128) 817,548 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 27,749 100,091 125,282 29,029 282,151 Financial Assets Measured At Fair Value Through Other Comprehensive Income 951,966 (21,677) (197,098) 563,830 1,297,021 Financial Liabilities Measured At Fair Value Through Profit Or Loss 564,757 500,159 (406,971) 95,176 753,121 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading 1,600,000 - - (1,600,000) - Fair Value Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2019 Financial Assets Measured At Fair Value Through Profit Or Loss 510,887 290,773 1,700,499 125,246 2,627,405 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 1,370,270 238,632 (1,031,076) 137,722 715,548 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 154,947 (101,541) - (25,657) 27,749 Financial Assets Measured At Fair Value Through Other Comprehensive Income 709,956 253,803 291 (12,084) 951,966 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading 641,458 190,813 (586,346) 318,832 564,757
Comparison of the carrying amounts of the Bank's financial assets measured at other than fair value and their respective fair values	Below is a comparison of the carrying amounts of financial assets of the Bank measured by a value other than the fair value and their respective fair values on December 31, 2021, 2020 and 2019: Comparison of the carrying amounts of the Bank's financial assets measured at other than fair value and their respective fair values 12/31/2021 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments - Central Bank of Brazil 16,657,201     16,657,201     16,657,201     -     - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 95,664,754 95,664,754 - 73,308,279 22,356,475 Loans and advances to customers 464,451,587 460,525,749 - 6,044,808 454,480,941 Debt instruments 73,125,011 74,074,095 28,472,612 12,124,154 33,477,329 Total 649,898,553 646,921,799 45,129,813 91,477,241 510,314,745 12/31/2020 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments - Central Bank of Brazil 20,148,725 20,148,725 20,148,725 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 112,849,776 112,849,776 - 59,492,738 53,357,038 Loans and advances to customers 393,707,229 396,878,319 - 4,530,041 392,348,278 Debt instruments 48,367,791 49,963,947 4,425,723 17,486,057 28,052,167 Total 575,073,521 579,840,767 24,574,448 81,508,836 473,757,483 12/31/2019 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments - Central Bank of Brazil 15,249,515 15,249,515 - 15,249,515 - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 109,233,128 109,233,128 - 109,233,128 - Loans and advances to customers 326,699,480 327,278,243 - - 327,278,243 Debt instruments 38,748,296 39,678,192 5,378,791 7,858,612 26,440,789 Total 489,930,419 491,439,078 5,378,791 132,341,255 353,719,032
Comparison of the carrying amounts of the Bank's financial liabilities measured at other than fair value and their respective fair values	During 2020, The Bank reclassified R$ 73,075,341 390,760,088 Comparison of the carrying amounts of the Bank's financial liabilities measured at other than fair value and their respective fair values 12/31/2021 Liabilities Accounting Value Fair Value Level 1 Level 2 Level 3 Financial Liabilities at Measured Amortized Cost: Deposits of Brazil's Central Bank and deposits of credit institutions 121,005,909     121,005,909     -     26,200,162     94,805,747 Customer deposits 468,961,069 468,960,950 - 60,911,279 408,049,671 Marketable debt securities 79,036,792 79,035,644 - - 79,035,644 Subordinated Debt - - - - - Debt instruments Eligible Capital 19,641,408 19,641,408 - - 19,641,408 Other financial liabilities 61,448,516 61,448,516 - - 61,448,516 Other financial liabilities 750,093,694 750,092,427 - 87,111,441 662,980,986 12/31/2020 Liabilities Accounting Value Fair Value Level 1 Level 2 Level 3 Financial Liabilities at Measured Amortized Cost: Deposits of Brazil's Central Bank and deposits of credit institutions 131,656,962 131,654,431 - 58,579,090 73,075,341 Customer deposits 445,813,972 445,856,090 - 55,096,002 390,760,088 Marketable debt securities 56,875,514 57,265,307 - - 57,265,307 Subordinated Debt - - - - - Debt instruments Eligible Capital 13,119,660 13,119,660 - - 13,119,660 Other financial liabilities 59,822,683 59,822,683 - - 59,822,683 Other financial liabilities 707,288,791 707,718,171 - 113,675,092 594,043,080 12/31/2019 Liabilities Accounting Value Fair Value Level 1 Level 2 Level 3 Financial Liabilities at Measured Amortized Cost: Deposits of Brazil's Central Bank and deposits of credit institutions 99,271,415 99,271,415 - 99,271,415 - Customer deposits 336,514,597 336,593,455 - 336,593,455 - Marketable debt securities 73,702,474 73,889,348 - 10,205,065 63,684,284 Subordinated Debt 10,175,961 10,175,961 - 10,175,961 - Other financial liabilities 55,565,954 55,565,954 - - 55,565,954 Other financial liabilities 575,230,401 575,496,132 - 456,245,896 119,250,238

Operational Ratios (Tables)

Operational Ratios (Tables)	12 Months Ended
	Dec. 31, 2021
Operational Ratios
Financial Conglomerate	The Basel index is calculated in accordance with the Financial Statements of the Prudential Conglomerate prepared in accordance with accounting practices adopted in Brazil, applicable to institutions authorized to operate by Bacen, as shown below: Financial Conglomerate BASEL INDEX % dec-21 dec-20 dec-19 Tier I Regulatory Capital 76,969.9 77,571.5 66,481.7 Principal Capital 69,919.9 71,006.3 61,389.5 Supplementary Capital 7,050.1 6,565.2 5,092.2 Tier II Regulatory Capital 12,591.3 6,554.5 5,083.8 Regulatory Capital (Tier I and II) 89,561.3 84,126.0 71,565.5 Credit Risk 527,119.3 478,303.5 407,786.2 Market Risk 15,122.2 15,846.3 20,235.2 Operational Risk 58,499.8 57,419.4 47,965.5 Total RWA 600,741.3 551,569.2 475,986.9 Basel I Ratio 12.81 14.06 13.97 Basel Principal Capital 11.64 12.87 12.90 Basel Regulatory Capital 14.91 15.25 15.04

Interest and similar income (Ta

Interest and similar income (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown of the main items of interest and similar charges accrued in 2021, 2020 and 2019 is as follows:	The breakdown of the main items of interest and similar charges accrued in 2021, 2020 and 2019 is as follows: Thousand of reais 2021 2020 2019 Cash and balances with the Brazilian Central Bank 2,581,083 1,552,121 3,827,648 Loans and advances - Credit institutions 5,190,799 1,518,557 3,843,798 Loans and advances - Customers 49,537,564 44,103,997 50,406,078 Debt instruments 19,041,947 13,556,403 13,528,096 Pension Plans 19,613 16,720 27,353 Other interest 1,616,302 2,027,142 1,208,087 Total 77,987,308 62,774,940 72,841,060

Interest expense and similar _2

Interest expense and similar charges (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown of the main items of interest and similar charges accrued in 2021, 2020 and 2019 is as follows	The breakdown of the main items of interest and similar charges accrued in 2021, 2020 and 2019 is as follows Thousand of reais 2021 2020 2019 Credit institutions deposits 4,712,388 4,327,276 4,866,357 Customer deposits 13,187,967 7,504,276 14,965,958 Marketable debt securities and subordinated liabilities: Marketable debt securities (note 18) 4,536,849 2,785,942 5,138,306 Debt Instruments Eligible to Compose Capital (note 19) 955,199 909,393 503,541 Pension Plans 248,312 301,389 342,068 Other interest (1) 3,028,127 2,503,953 2,703,723 Total 26,668,842 18,332,228 28,519,953 (1) It is mainly composed of Expenses with Interest on Repo Agreements

Income from equity instruments

Income from equity instruments (Tables)	12 Months Ended
	Dec. 31, 2021
Income From Equity Instruments
Breakdown of the balance of this item	The breakdown of the balance of this item is as follows: Breakdown of the balance of this item Thousand of reais 2021 2020 2019 Equity instruments classified as: Financial Assets Measured At Fair Value Through Profit Or Loss 89,563 30,232 13,398 Financial Assets Measured At Fair Value Through Other Comprehensive Income 477 3,522 5,535 Total 90,040 33,754 18,933

Fee and commission income (Tabl

Fee and commission income (Tables)	12 Months Ended
	Dec. 31, 2021
Fee And Commission Income
The breakdown of the balance of this item is as follows	The breakdown of the balance of this item is as follows Thousand of reais 2021 2020 2019 Collection and payment services: Bills 1,163,616 1,083,262 1,143,229 Demand accounts 2,664,586 2,425,416 2,554,559 Cards (Credit and Debit) and Acquiring Services 5,338,649 6,009,780 6,620,708 Checks and other 127,509 138,483 188,249 Orders 695,293 856,723 720,521 Total 9,989,653 10,513,664 11,227,266 Marketing of non-Banking financial products: Investment funds 731,817 450,940 725,494 Insurance 3,566,596 3,134,723 3,120,471 Capitalization plans 711,351 634,775 829,852 Total 5,009,764 4,220,438 4,675,817 Securities services: Securities underwriting and placement 935,464 695,978 721,793 Securities trading 318,590 281,686 186,847 Administration and custody 647,054 495,457 401,310 Asset management 987 1,144 2,291 Total 1,902,095 1,474,265 1,312,241 Other: Foreign exchange 1,512,326 1,450,636 968,270 Financial guarantees 838,790 728,232 650,241 Other fees and commissions 1,135,461 2,219,472 1,558,623 Total 3,486,577 4,398,340 3,177,134 Total 20,388,089 20,606,707 20,392,458

Fee and commission expense (Tab

Fee and commission expense (Tables)	12 Months Ended
	Dec. 31, 2021
Fee And Commission Expense
Amount of all fees and commissions paid or payable in the year	The breakdown of the balance of this item is as follows: Amount of all fees and commissions paid or payable in the year Thousand of reais 2021 2020 2019 Commissions assigned to third parties (1) 2,743,339 2,685,005 3,639,239 Other fees and commissions 2,371,449 1,693,488 1,040,066 Total 5,114,788 4,378,493 4,679,306 (1) Composed, mainly, by credit cards.

Gains or losses on financial _2

Gains or losses on financial assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
Gains Or Losses On Financial Assets And Liabilities
The breakdown of the balance of this item, by type of instrument, is as follows:	The breakdown of the balance of this item, by type of instrument, is as follows: Thousand of reais 2021 2020 2019 Financial Assets Measured At Fair Value Through Profit Or Loss 1,555,837 711,949 252,253 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading (1) 3,519,626 12,122,794 2,391,080 Non-Tranding Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 205,016 172,828 11,501 Financial Assets Not Measured At Fair Value Through Profit Or Loss (665,853) (239,054) (57,522) Financial Assets available-for-sale Debt instruments (432,510) (207,011) (46,136) Equity instruments (233,344) (32,043) (11,386) Financial Assets Measured At Fair Value Through Other Comprehensive Income Gains or losses from hedge accounting, net (4,392,844) 229,543 (134,767) Total 221,782 12,998,060 2,462,545 (1) Includes the exchange hedge of the Bank’s interest in Cayman (note 23).

Exchange differences (net) (Tab

Exchange differences (net) (Tables)	12 Months Ended
	Dec. 31, 2021
Exchange Differences
foreign currency at the time of their disposal.	Exchange differences" demonstrate the gains or losses on foreign currency transactions, the differences that arise on translations of monetary items in foreign currencies to the functional currency, and those disclosed on non-monetary assets in foreign currency at the time of their disposal. Thousand of Reais 2021 2020 2019 Revenue with Exchange variations 196,480,319 78,578,786 23,622,963 Expenses with Exchange Variations (198,482,605) (103,279,748) (26,411,500) Total (2,002,286) (24,700,962) (2,788,537)

Other operating income and ex_2

Other operating income and expenses (Tables)	12 Months Ended
	Dec. 31, 2021
Other Operating Income And Expenses
he breakdown of "Other operating income (expense)" is as follows:	T he breakdown of "Other operating income (expense)" is as follows: Thousand of reais 2021 2020 2019 Other operating income 914,084 792,639 591,125 Other operating expense (1,559,663) (1,237,133) (1,351,568) Contributions to fund guarantee of credit - FGC (473,801) (428,016) (347,276) Total (1,119,380) (872,510) (1,107,719)

Personnel expenses (Tables)

Personnel expenses (Tables)	12 Months Ended
	Dec. 31, 2021
The breakdown of “Personnel expenses” is as follows:	The breakdown of “Personnel expenses” is as follows: Thousand of reais 2021 2020 2019 Wages and salaries 5,905,394 5,730,779 5,876,328 Social security costs 1,153,164 1,222,352 1,276,620 Benefits 1,434,815 1,390,044 1,491,485 Defined benefit pension plans (note 22) 6,415 6,892 10,917 Contributions to defined contribution pension plans 152,156 117,216 131,885 Share-based compensation 24,045 19,348 88,248 Training 54,858 49,037 66,215 Other personnel expenses 294,855 335,814 386,016 Total 9,025,702 8,871,482 9,327,714
Local and Global Program	b.1) Local and Global Program 01/01 to 12/31/2021 01/01 to 12/31/2020 Program Settlement Type Vesting Period Period of Exercise 01/2019 to 12/2021 2022 and 2023 R$ 4,216,667 (*) R$ 4,916,667 01/2020 to 12/2022 2023 R$ 3,668,000 (*) R$  - 01/2020 to 12/2022 2023 and 2024 R$ 2,986,667 (*) R$ 9,440,000 01/2021 to 09/2024 2024 R$ 13,520,000 (*) R$ - 01/2021 to 12/2023 2023 R$ 1,834,000 (*) R$ - Local Santander Brasil Bank Shares 07/2019 to 06/2022 2022 111,962 SANB11 109,677 SANB11 09/2020 to 09/2022 2022 301,583 SANB11 450,738 SANB11 01/2020 to 09/2023 2023 249,666 SANB11 281,031 SANB11 01/2021 to 12/2022 2023 177,252 SANB11 - SANB11 01/2021 to 12/2023 2024 327,065 SANB11 - SANB11 01/2021 to 01/2024 2024 30,545 SANB11 - SANB11 01/2020 to 12/2022 2023 309,576 SAN (**) 318,478 SAN (**) Global Santander Spain Shares and Options 01/2020 to 12/2022 2023, with limit for options' exercise until 2030 1,618,445 Options s/ SAN (**) 1,664,983 Options s/ SAN (**) 01/2021 to 12/2023 02/2024 135,632 SAN (**) - 01/2021 to 12/2023 02/2024, with limit for options' exercise until 02/2029 404,630 Options s/ SAN (**) - R$ 26,225,334 (*) R$ 14,356,667 (*) Balance of Plans on December 31, 2021 1,198,073 SANB11 841,446 SANB11 445,208 SAN 318,478 SAN 2,023,075 Options s/ SAN 1,664,983 Options s/ SAN (*) Plan target in Reais, to be converted into SANB11 shares according to the achievement of the plan's performance indicators at the end of the vesting period, based on the quotation of the last 15 trading sessions of the month immediately preceding the grant. (**) Target of the plan in SAN shares and options, to be paid in cash at the end of the vesting period, according to the achievement of the plan's performance indicators.
The impacts on the result are recorded in the Personnel Expenses item, as follows:	The impacts on the result are recorded in the Personnel Expenses item, as follows: Consolidated 01/01 to 01/01 to Program Settlement Type Local Santander Actions (Brazil) 20,720 10,776 Global Santander Spain shares and stock options 3,534 846
Variable Remuneration Referenced to Shares	Variable Remuneration Referenced to Shares Program Participant Liquidity Type 01/01 to 12/31/2021 01/01 to 12/31/2020 Collective Identified Members of the Executive Committee, Statutory Officers and other executives who assume significant and responsible risks of control areas 50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11) 63,658 103,696 Other Employees Superintendence level employees and other employees with variable remuneration above a minimum amount established 50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11) 111,995 98,069

Other general administrative _2

Other general administrative expenses (Tables)	12 Months Ended
	Dec. 31, 2021
Breakdown - Other administrative expenses	The detail of other general administrative expenses is as follows: Breakdown - Other administrative expenses Thousand of reais 2021 2020 2019 Genreal maintenance expenses 889,077 743,580 748,196 Technology maintenance expenses 2,474,348 2,355,310 2,058,619 Advertising 621,425 654,175 712,855 Communications 353,271 648,856 472,873 Per diems and travel expenses 71,840 68,922 140,016 Taxes other than income tax 202,440 280,098 112,012 Surveillance and cash courier services 597,946 594,953 630,585 Insurance premiums 22,374 16,620 34,778 Specialized and technical services 2,184,139 2,171,460 2,172,567 Technical reports 355,343 319,814 360,990 Others specialized and technical services 1,828,795 1,851,646 1,811,577 Other administrative expenses (1) 873,857 709,504 531,311 Total 8,290,717 8,243,479 7,613,812 (1) In December 31, 2021, includes mainly Data Processing Expenses in the balance of R$160,716 (2020 – R$176,105 and 2019 - R$67,724), Service Expenses in the balance of R$51,689 (2020 - revenue of R$27,751 and 2019 - R$87,199), Expenses with Benefit Guarantor Fund - FGB R$3,864 (2020 – R$8,478 and 2019 - R$34,996) and Recovery of Charges and Expenses R$378,604 (2020 – R$ 212,850 and 2019 – R$92,408).
Balance of Technical reports	The balance of “Technical reports” includes the fees paid by the consolidated companies to their respective auditors, the detail are as follows: Balance of Technical reports Millions of Reais 2021 2020 2019 Audit of the annual financial statements of the companies audited by external audit (constant scope of consolidation) 26.3 24.0 25.2 Audit Related 0.2 0.4 0.1 Others 0.4 0.0 0.3 Total 26.9 24.4 25.6

Gains or losses on non-financ_2

Gains or losses on non-financial assets and investments, net (Tables)	12 Months Ended
	Dec. 31, 2021
Gains Or Losses On Non-financial Assets And Investments Net
Gains (losses) on disposal of assets not classified as non-current assets held for sale the breakdown of the balance	The breakdown of the balance of this item is as follows: Gains (losses) on disposal of assets not classified as non-current assets held for sale the breakdown of the balance Thousand of reais 2021 2020 2019 Gains 45,780 285,335 55,709 Tangible and intangible assets 45,780 36,778 55,709 Investments - 248,557 - Losses (60,893) (54,622) (45,063) Tangible and intangible assets (32,863) (14,517) (45,063) Investments (28,030) (40,105) - Total (15,113) 230,713 10,646

Other disclosures (Tables)

Other disclosures (Tables)	12 Months Ended
	Dec. 31, 2021
Other Disclosures
Maximum potential amount of future payments	As required, the “maximum potential amount of future payments” represents the notional amounts that could be considered as a loss if there were a total default by the guaranteed parties, without consideration of possible recoveries from collateral held or pledged, or recoveries under recourse provisions. There is no relationship between these amounts and probable losses on these guarantees. In fact, "maximum potential amount of future payments" significantly exceeds inherent losses. Maximum potential amount of future payments Thousand of reais 2021 2020 2019 Maximum potential amount of future payments Contingent liabilities Guarantees and other sureties 49,391,839 45,930,486 41,870,332 Financial guarantees 33,192,559 32,477,336 29,397,344 Performance guarantees 1,167,603 989,979 1,009,367 Financial letters of credit 14,990,887 12,407,888 11,387,788 Other 40,790 55,283 75,833 Other contingent exposures 4,028,516 2,351,530 2,442,235 Documentary Credits 4,028,516 2,351,530 2,442,235 Total Contingent Liabilities 53,420,355 48,282,016 44,312,567 Commitments Loan commitments drawable by third parties (1) 145,958,258 131,706,433 125,876,671 Total Commitments 145,958,258 131,706,433 125,876,671 Total 199,378,613 179,988,449 170,189,238 (1) Includes the approved limits and unused overdraft, credit card and others.
The funds managed by Banco Santander not recorded in the balance sheet are as follows:	The funds managed by Banco Santander not recorded in the balance sheet are as follows: Thousand of reais 2021 2020 2019 Funds under management 2,770,684 2,716,477 2,034,999 Managed Funds 192,927,475 191,873,169 230,199,261 Total 195,698,159 194,589,646 232,234,260
The breakdown, by maturity, of the balances of certain items in the consolidated balance sheets is as follows:	The breakdown, by maturity, of the balances of certain items in the consolidated balance sheets is as follows: 2021 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Assets: Cash and balances with the Brazilian Central Bank 15,430,680 1,226,521 - - - - 16,657,201 Debt instruments 1,612,213 119,780,229 20,352,554 5,834,524 38,904,369 38,728,334 225,212,223 Equity instruments - - - - - 2,527,504 2,527,504 Loans and amounts due from credit institutions 80,355,763 2,717,359 1,748,733 10,827,639 15,057 203 95,664,754 Loans and advances to customer 70,399,332 82,203,458 84,986,074 152,608,938 31,902,231 42,744,009 464,844,042 Derivatives - 8,667,809 2,836,098 1,645,538 5,989,792 2,000,686 21,139,923 Total 167,797,988 214,595,376 109,923,459 170,916,639 76,811,449 86,000,736 826,045,647 2021 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) 10,052,363     60,636,478     39,748,331     6,681,493     1,656,909     2,230,335     121,005,909 Customer deposits (1) 86,051,583 79,687,549 56,178,087 163,641,875 83,326,774 75,201 468,961,069 Marketable debt securities (1) - 28,052,200 5,038,906 35,844,265 9,341,229 760,192 79,036,792 Debt Instruments Eligible to Compose Capital - 5,552,801 - 14,088,607 - - 19,641,408 Other financial liabilities 3,935,498 10,732,613 19,132,399 35,107,790 - - 68,908,300 Short positions - 12,780,559 - - - - 12,780,559 Derivatives 641,571 7,239,697 2,503,888 9,117,265 3,773,251 1,343,309 24,618,981 Total 100,681,015 204,681,897 122,601,611 264,481,295 98,098,163 4,409,037 794,953,018 Difference (assets less liabilities) 67,116,973 9,913,479 (12,678,152) (93,564,656) (21,286,714) 81,591,699 31,092,629 2020 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Assets: Cash and balances with the Brazilian Central Bank 7,373,662 12,775,063 - - - - 20,148,725 Debt instruments 432,579 13,195,527 33,903,698 64,225,680 70,182,705 48,162,275 230,102,464 Equity instruments - - - - - 2,329,361 2,329,361 Loans and amounts due from credit institutions 57,722,384 2,777,562 36,783,150 15,155,444 363,135 48,101 112,849,776 Loans and advances to customer 29,385,631 80,281,579 93,750,065 98,550,271 47,160,700 44,639,790 393,768,036 Derivatives - 14,558,434 1,994,418 4,103,735 1,869,509 3,721,418 26,247,514 Total 94,914,256 123,588,165 166,431,331 182,035,130 119,576,049 98,900,945 785,445,876 Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) - 83,922,876 43,315,412 3,764,159 - 654,516 131,656,962 Customer deposits (1) 85,433,287 139,191,140 121,804,752 62,768,886 36,578,335 37,572 445,813,972 Marketable debt securities (1) - 8,815,410 18,736,230 28,158,133 747,340 418,401 56,875,514 Debt Instruments Eligible to Compose Capital - 220,425 - 12,899,235 - - 13,119,660 Other financial liabilities 23,352 21,858,532 20,730,398 17,203,162 4,787 2,452 59,822,683 Short positions - 45,807,946 - - - - 45,807,946 Derivatives - 2,046,924 1,973,701 5,387,607 7,744,145 12,204,455 29,356,832 Total 85,456,639 301,863,252 206,560,493 130,181,182 45,074,607 13,317,396 782,453,569 Difference (assets less liabilities) 9,457,617     (178,275,087)     (40,129,162)     51,853,948     74,501,441     85,583,548     2,992,307 2019 Thousand of reais On Demand Up to 3 Months 3 to 12 Months 1 to 3 Years 3 to 5 Years After 5 Years Total Assets: Cash and balances with the Brazilian Central Bank 6,549,535 13,577,829 - - - - 20,127,364 Debt instruments 7,747,516 1,174,094 22,926,088 45,058,398 35,118,355 61,307,478 173,331,929 Equity instruments - - - - - 2,358,229 2,358,229 Loans and amounts due from credit institutions 69,135,371 1,943,291 21,064,571 14,525,161 2,411,265 153,469 109,233,128 Loans and advances to customer 9,451,762 84,839,695 43,180,508 89,624,089 34,092,967 65,510,459 326,699,480 Derivatives 6,806,370 1,893,308 2,649,730 1,921,248 1,950,678 3,599,566 18,820,900 Total 99,690,554 103,428,217 89,820,897 151,128,896 73,573,264 132,929,201 650,571,030 Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) 390,626 16,584,181 49,097,816 25,655,631 4,877,076 2,666,086 99,271,415 Customer deposits (1) 69,048,756 130,872,214 76,244,908 43,395,748 16,923,318 29,654 336,514,597 Marketable debt securities (1) - 10,675,356 695,071 37,268,809 3,900,484 21,162,755 73,702,474 Debt Instruments Eligible to Compose Capital - 170,939 - 10,005,022 - - 10,175,961 Other financial liabilities 10,334 24,360,724 14,509,911 16,678,725 4,717 1,543 55,565,954 Financial liabilities held for trading: Short positions - 4,748,545 1,554,274 1,256,416 3,747,700 12,528,718 23,835,653 Derivatives 6,776,746 4,345,286 406,383 3,071,989 2,502,040 3,702,699 20,805,143 Total 76,226,462 191,757,244 142,508,362 137,332,340 31,955,334 40,091,454 621,496,030 Difference (assets less liabilities) 23,464,093 (88,329,028) (52,687,465) 13,796,556 41,617,931 92,837,747 30,699,834 (1) Includes obligations which may be subject to early payment, being: demand and time deposits, repurchase agreements with clients, LCI and LCA.
The main foreign currency balances in the consolidated financial statements, based on the nature of the related items, are as follows:	The main foreign currency balances in the consolidated financial statements, based on the nature of the related items, are as follows: Equivalent Value in Thousand of Reais 2021 2020 2019 Assets Liabilities Assets Liabilities Assets Liabilities Cash and reserves at the Central Bank of Brazil 10,851,016 - 15,835,124 - 15,359,225 - Financial ssets/liabilities measured at fair value through profit or loss held for trading 2,587,588 21,784,041 27,012,315 7,867,168 3,349,879 3,210,360 Financial assets measured at fair value through other comprehensive income 17,102,273 - 17,062,156 - 20,386,034 - Financial assets/liabilities measured at amortized cost 70,283,097 86,184,330 52,002,476 118,142,613 68,996,884 44,140,284 Total 100,823,974 107,968,371 111,912,070 126,009,781 108,092,022 47,350,644
The total of the future minimum payments of non-cancellable operating leases is shown below:	The total of the future minimum payments of non-cancellable operating leases is shown below: 2021 2020 2019 Up to 1 Year 715,576 670,619 651,207 Between1 to 5 Years 1,420,853 1,607,995 1,492,289 More than 5 Years 181,417 171,420 147,125 Total 2,317,846 2,450,034 2,290,621
Prospectus for loss estimation	To estimate the expected loss, Santander Brasil uses prospective information. Three macroeconomic scenarios are considered, being Base, Pessimistic and Optimistic scenarios. For the elaboration of the methodology, the 5-year evolution of the following main macroeconomic indicators was considered: Prospectus for loss estimation Pessimistic Scenarios Base Scenarios Optimistic Scenarios Variables 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Interest rate 7.3% 14.3% 13.0% 13.0% 13.0% 7.3% 7.3% 6.5% 6.5% 6.5% 7.3% 5.5% 5.5% 4.0% 4.0% Unemployment 14.4% 16.3% 18.2% 18.5% 18.2% 14.4% 13.8% 12.9% 12.1% 11.3% 14.4% 11.4% 9.1% 8.5% 7.9% Housing Prices 9.0% 2.2% 2.2% 2.1% 2.0% 9.0% 9.2% 9.0% 8.6% 8.3% 9.0% 13.8% 13.4% 12.9% 12.5% GDP growth 5.6% -3.5% -2.0% 0.2% 0.2% 5.6% 2.7% 2.2% 2.0% 2.0% 5.6% 6.5% 4.0% 4.0% 4.0% Income Commitment 31.7% 38.2% 38.9% 39.1% 38.9% 31.7% 32.7% 34.6% 35.1% 35.6% 31.7% 29.1% 29.2% 29.3% 29.1%
Macroeconomic scenario	In the process of estimating the expected loss, a weight is assigned to each scenario, with greater relevance being attributed to the base scenario (80%), while lower weights are attributed to the pessimistic (10%) and optimistic (10%) scenarios . The weights assigned to the scenarios in the last 3 years are as follows: Macroeconomic scenario Ponderations 2021 2020 2019 Pessimistic Scenarios 10% 10% 10% Base Scenarios 80% 80% 80% Optimistic Scenarios 10% 10% 10%

Business segment reporting (Tab

Business segment reporting (Tables)	12 Months Ended
	Dec. 31, 2021
Business Segment Reporting
Income statements and other significant data	The income statements and other significant data are as follows: Income statements and other significant data Thousand of reais 2021 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 46,236,026 5,082,440 51,318,466 Income from equity instruments 10,216 79,824 90,040 Income from companies accounted for by the equity method 105,403 38,781 144,184 Net fee and commission income 13,285,099 1,988,202 15,273,301 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (1,433,236) (347,268) (1,780,504) Other operating expense (net) (974,391) (144,989) (1,119,380) TOTAL INCOME 57,229,117 6,696,990 63,926,107 Personnel expenses (8,220,544) (805,158) (9,025,702) Other administrative expenses (7,697,346) (593,371) (8,290,717) Depreciation and amortization (2,342,639) (91,282) (2,433,921) Provisions (net) (2,176,774) (2,643) (2,179,417) Impairment losses on financial assets (net) (17,169,630) 56,896 (17,112,734) Impairment losses on non-financial assets (net) (163,935) (1,864) (165,799) Other non-financial gains (losses) 32,512 - 32,512 OPERATING PROFIT BEFORE TAX (1) 19,490,761 5,259,568 24,750,329 Currency Hedge (1) 2,511,980 - 2,511,980 ADJUSTED OPERATING INCOME BEFORE TAX (1) 22,002,741 5,259,568 27,262,309 Thousand of reais 2020 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 41,457,352 2,985,361 44,442,713 Income from equity instruments 3,617 30,137 33,754 Income from companies accounted for by the equity method 84,051 28,210 112,261 Net fee and commission income 14,405,280 1,822,934 16,228,214 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (13,515,305) 1,812,403 (11,702,902) Other operating expense (net) (767,088) (105,422) (872,510) TOTAL INCOME 41,667,906 6,573,623 48,241,529 Personnel expenses (8,139,785) (731,697) (8,871,482) Other administrative expenses (7,634,670) (608,808) (8,243,478) Depreciation and amortization (2,488,517) (90,610) (2,579,127) Provisions (net) (1,638,787) (17,759) (1,656,546) Impairment losses on financial assets (net) (17,379,570) (70,619) (17,450,189) Impairment losses on non-financial assets (net) (28,403) (56,504) (84,907) Other non-financial gains (losses) 308,176 - 308,176 OPERATING PROFIT BEFORE TAX (1) 4,666,350 4,997,625 9,663,975 Currency Hedge (1) 13,583,011 - 13,583,011 ADJUSTED OPERATING INCOME BEFORE TAX (1) 18,249,361 4,997,625 23,246,986 Thousand of reais 2019 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 42,043,774 2,277,333 44,321,107 Income from equity instruments 4,864 14,069 18,933 Income from companies accounted for by the equity method 149,488 - 149,488 Net fee and commission income 13,923,272 1,789,880 15,713,152 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (1,541,343) 1,215,351 (325,992) Other operating expense (net) (1,069,052) (38,668) (1,107,720) TOTAL INCOME 53,511,003 5,257,965 58,768,968 Personnel expenses (8,554,254) (773,460) (9,327,714) Other administrative expenses (7,139,828) (473,984) (7,613,812) Depreciation and amortization (2,297,010) (94,847) (2,391,857) Provisions (net) (3,668,709) (12,877) (3,681,586) Impairment losses on financial assets (net) (13,423,361) 53,455 (13,369,906) Impairment losses on non-financial assets (net) (73,216) (58,219) (131,435) Other non-financial gains (losses) 20,489 - 20,489 OPERATING PROFIT BEFORE TAX (1) 18,375,114 3,898,033 22,273,147 Currency Hedge (1) 1,264,279 - 1,264,279 ADJUSTED OPERATING INCOME BEFORE TAX (1) 19,639,393 3,898,033 23,537,426 (1) Includes, in the Commercial Bank, the currency hedge of the investment in dollars (a strategy to mitigate the tax effects and the variation of the exchange rate of offshore investments on net income), the result of which is recorded under “on financial assets and liabilities "fully offset in the line of Taxes
Other aggregates	Other aggregates 2021 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 838,267,118 92,941,277 931,208,396 Loans and advances to customers 394,086,048 70,757,994 464,844,042 Customer deposits 344,180,608 124,780,461 468,961,069 2020 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 837,339,314 96,239,065 933,578,379 Loans and advances to customers 317,553,409 76,214,628 393,768,037 Customer deposits 322,328,033 123,485,939 445,813,972 2019 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 675,514,634 85,097,984 760,612,618 Loans and advances to customers 259,644,994 67,054,486 326,699,480 Customer deposits 253,313,187 83,201,410 336,514,597

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
	Dec. 31, 2021
The following table shows the Board of Directors’ and Executive Board’s:	The following table shows the Board of Directors’ and Executive Board’s: Thousand of reais 2021 2020 2019 Fixed Compensation 96,544 90,889 89,518 Variable Compensation - in cash 115,627 83,352 70,816 Variable Compensation - in shares 94,607 81,306 80,832 Others (1) 67,883 47,832 46,937 Total Short-Term Benefits 374,661 303,379 288,103 Variable Compensation - in cash 101,837 98,407 92,704 Variable Compensation - in shares 109,918 97,729 102,046 Total Long-Term Benefits 211,755 196,136 194,750 Total (2) 586,416 499,515 482,853
The table below shows the direct interest (common shares and preferred shares) as of December 31, 2021, 2020 and 2019:	The table below shows the direct interest (common shares and preferred shares) as of December 31, 2021, 2020 and 2019: 2021 Common Preferred Total Shares Common Shares Preferred Shares Total Stockholders' (thousand) Shares (%) (thousand) Shares (%) (thousand) Shares (%) Sterrebeeck B.V. (1) 1,809,583 47.4% 1,733,644 47.1% 3,543,227 47.3% Grupo Empresarial Santander, S.L. (1) 1,627,891 42.6% 1,539,863 41.9% 3,167,754 42.2% Banco Santander, S.A. (1) 2,696 0.1% - 0.0% 2,696 0.0% Directors (*) 4,939 0.1% 5,029 0.1% 9,968 0.1% Others 357,831 9.4% 385,545 10.5% 743,374 9.9% Total 3,802,940 99.6% 3,664,081 99.6% 7,467,019 99.5% Treasury shares 15,755 0.4% 15,755 0.4% 31,510 0.5% Total 3,818,695 100.0% 3,679,836 100.0% 7,498,529 100.0% Free Float (2) 357,830 9.4% 385,544 10.5% 743,374 9.9% 2020 Common Preferred Total Shares Common Shares Preferred Shares Total Stockholders' (thousand) Shares (%) (thousand) Shares (%) (thousand) Shares (%) Sterrebeeck B.V. (1) 1,809,583 47.4% 1,733,644 47.1% 3,543,227 47.3% Grupo Empresarial Santander, S.L. (1) 1,627,891 42.6% 1,539,863 41.8% 3,167,755 42.2% Banco Santander, S.A. (1) 2,696 0.1% - 0.0% 2,696 0.04% Employees 2,046 0.1% 2,046 0.1% 4,092 0.05% Directors (*) 4,034 0.1% 4,034 0.1% 8,067 0.11% Others 353,616 9.3% 381,420 10.4% 735,036 9.8% Total 3,799,866 99.5% 3,661,007 99.5% 7,460,873 99.5% Treasury shares 18,829 0.5% 18,829 0.5% 37,658 0.5% Total 3,818,695 100.0% 3,679,836 100.0% 7,498,531 100.0% Free Float (2) 355,662 9.3% 383,466 10.4% 739,128 9.9% 2019 Common Preferred Total Shares Common Shares Preferred Shares Total Stockholders' (thousand) Shares (%) (thousand) Shares (%) (thousand) Shares (%) Grupo Empresarial Santander, S.L. (1) 1,107,673 29.0% 1,019,645 27.7% 2,127,318 28.4% Sterrebeeck B.V. (1) 1,809,583 47.4% 1,733,644 47.1% 3,543,227 47.3% Banco Santander, S.A. (1) 521,964 13.7% 519,268 14.1% 1,041,232 13.9% Employees 2,526 0.1% 2,533 0.1% 5,059 0.1% Administrators (*) 4,525 0.1% 4,524 0.1% 9,049 0.1% Others 355,722 9.3% 383,519 10.4% 739,241 9.9% Total 3,801,993 99.6% 3,663,133 99.5% 7,465,126 99.6% Treasury shares 16,702 0.4% 16,702 0.5% 33,404 0.4% Total 3,818,695 100.0% 3,679,835 100.0% 7,498,530 100.0% Free Float (2) 358,248 9.4% 386,053 10.5% 744,301 9.9% (1) Companies of the Santander Spain Group. (2) Composed by Employees, Qatar Holding and other. (*) None of the members of the Board of Directors and the Executive Board holds 1.0% or more of any class of shares.
Principal transactions and balances - Assets And Liabilities	Principal transactions and balances - Assets And Liabilities Thousand of reais 2021 Parent (1) Joint-controlled Other Related-Party (2) Assets 895,492 3,347 32,135,748 Financial assets for trading (3,043,904) - (73,209) Banco Santander, S.A. – Espanha (1) (3,043,904) - - Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 241,716 Santander FI Santillana Multimercado Crédito Privado (2) - - (1,241,109) Apolo Fundo de Investimento em Direitos Creditórios - - 955,737 FIDC Venda de Veículos - - (29,553) Loans and other values with credit institutions - Cash and overnight operations in foreign currency 3,930,078 850 27,590,541 Banco Santander, S.A. – Espanha (3) 3,930,078 - - PSA Corretora de Seguros e Serviços Ltda. - - 48 Santander Bank, National Association - - 8,538,165 Banco Santander Totta, S.A. (2) - - 950 Santander Bank Polska S.A. (2) - - 99 Santander UK plc - - 171,920 Banco Santander, S.A. – México (2) - - 21,123 Banco RCI Brasil S.A. - 850 - Hyundai Corretora de Seguros Ltda. - - 3 Santander Global Technology, S.L., SOCI - - 192 Getnet S.A. - - 18,858,041 Loans and advances to customers 109 - 3,570,635 Webmotors S.A. - - 21,763 Banco Santander Espanha (1) 109 - - Santander Tecnología México, S.A. de C.V. - - 122 Gesban Servicios Administrativos Globales, S.L. - - 23 Santander Brasil Gestão de Recursos Ltda. - - 169 Gestora de Inteligência de Crédito - - 67,511 Loop Gestão de Pátios S.A. - - 9,861 Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 191 Getnet S.A. - - 3,450,923 Car10 Tecnologia e Informação S.A. - - 38 Key Management Personnel (5) - - 20,034 Other Assets 9,209 2,497 1,048,039 Banco Santander, S.A. – Espanha (1) 9,209 - - Banco RCI Brasil S.A. - 2,497 - Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 965,926 Getnet S.A. - - 15 Others - - 82,098 Guarantees and Limits - - (258) Key Management Personnel (5) - - (258) Liabilities (25,832,894) (63,599) (9,602,791) Deposits of Brazil Central Bank and deposits of credit institutions (11,178,490) (63,599) (7,802,709) Banco Santander, S.A. – Espanha (1) (11,178,490) - - Banco RCI Brasil S.A. - (63,599) - Santander Caceis Brasil DTVM S.A.(2) - - (722,222) Getnet S.A. - - (7,079,955) Others - - (532) Securities - - (128,593) Key Management Personnel (5) - - (128,593) Customer deposits - - (828,107) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (63,864) Santander Brasil Gestão de Recursos Ltda. - - (44,141) Webmotors S.A. - - (3,744) Santander Caceis Brasil DTVM S.A. - - (562) Gestora de Inteligência de Crédito - - (36,097) Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (21,725) Getnet S.A. - - (372,151) Key Management Personnel (5) - - (28,672) Others - - (257,151) Other financial liabilities - Dividends and interest on capital Payable (564,786) - - Banco Santander Espanha (73) - - Grupo Empresarial Santander, S.L. (1) (464,295) - - Sterrebeeck B.V. (1) (100,418) - - Other Payables (1,011) - (843,382) Banco Santander Espanha (1) (1,011) - - Santander Caceis Brasil DTVM S.A. - - (12,286) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (28,801) Getnet S.A. - - (123,863) Key Management Personnel (5) - - (664,264) Others - - (14,168) Debt Instruments Eligible to Compose Capital (14,088,607) - - Banco Santander Espanha (1) (14,088,607) - - Thousand of Reais 2020 Parent (1) Joint-controlled Other Related-Party (2) Assets 2,966,012 3,589,575 8,962,950 Financial assets for trading - Derivatives net (1,326,965) - (2,527,296) Banco Santander, S.A. – Espanha (1) (1,326,965) - - Super Pagamentos e Administração de Meios Eletrônicos S.A. (2) - - (211,154) Santander FI Santillana Multimercado Crédito Privado (2) - - (2,316,142) Loans and other values with credit institutions - Cash and overnight operations in foreign currency 4,240,680 3,587,028 10,446,557 Banco Santander, S.A. – Espanha (3) 4,240,680 - - PSA Corretora de Seguros e Serviços Ltda. - - 113 Santander Digital Assets, SL - - 8,105 Santander Bank, National Association - - 10,315,450 Banco Santander Totta, S.A. (2) - - 1,250 Bank Zachodni (2) - - 171 Santander UK plc - - 92,703 Banco Santander, S.A. – México (2) - - 27,993 Banco RCI Brasil S.A. - 3,587,028 - Hyundai Corretora de Seguros Ltda. - - 3 Integry Tecnologia e Serviços A.H.U Ltda. - - 45 Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 532 Santander Global Technology, S.L., SOCI - - 192 Loans and advances to customers - - 998,063 Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 823,467 Zurich Santander Brasil Seguros S.A. (4) - - 57,081 Webmotors S.A. - - 18,455 Banco Santander Espanha (1) - - 224 Isban Mexico, S.A. de C.V. - - 122 Gesban Servicios Administrativos Globales, S.L. - - 23 Santander Brasil Gestão de Recursos Ltda. - - 169 Gestora de Inteligência de Crédito - - 66,667 Loop Gestão de Pátios S.A. - - 11,966 Key Management Personnel (5) - - 19,889 Other Assets 52,297 2,547 34,589 Banco Santander, S.A. – Espanha (1) 52,297 - - Banco RCI Brasil S.A. - 2,547 - Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 34,589 Guarantees and Limits - - 11,038 Key Management Personnel (5) - - 11,038 Liabilities (24,084,795) (226,046) (1,779,587) Deposits of Brazil Central Bank and deposits of credit institutions (10,456,623) (226,046) (37,214) Banco Santander, S.A. – Espanha (1) (10,456,623) - - Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (36,390) Loop Gestão de Pátios S.A. - - (824) Banco RCI Brasil S.A. - (226,046) - Securities obligations - - (117,368) Key Management Personnel (5) - - (117,368) Customer deposits - - (869,888) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (64,836) Santander Brasil Gestão de Recursos Ltda. - - (335) Webmotors S.A. - - (1,411) Santander Caceis Brasil DTVM S.A. - - (581,543) Santander Brasil Asset (2) - - (100) Gestora de Inteligência de Crédito - - (149,257) Key Management Personnel (5) - - (36,762) Others - - (35,644) Other financial liabilities - Dividends and interest on capital Payable (508,491) - - Banco Santander Espanha (195) - - Grupo Empresarial Santander, S.L. (1) (239,890) - - Sterrebeeck B.V. (1) (268,406) - - Other Payables (21) - (755,117) Banco Santander Espanha (1) (21) - - Santander Brasil Asset (2) - - (95) Santander Caceis Brasil DTVM S.A. - - (9,373) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (78,686) Key Management Personnel (5) - - (633,276) Others - - (33,687) Debt Instruments Eligible to Compose Capital (13,119,660) - - Banco Santander Espanha (1) (13,119,660) - - Thousand of Reais 2019 Parent (1) Joint-controlled Other Related-Party (2) Assets 5,294,152 4,387,013 874,668 Financial assets for trading - Derivatives net (763,547) - (113,931) Banco Santander, S.A. – Espanha (1) (763,547) - - Santander FI Santillana Multimercado Crédito Privado (2) - - (113,931) Loans and other values with credit institutions - Cash and overnight operations in foreign currency 5,896,120 - 70,261 Banco Santander, S.A. – Espanha (3) 5,896,120 - - Banco Santander Totta, S.A. (2) - - 7,921 Bank Zachodni (2) - - 94 Santander UK plc - - 16,701 Banco Santander, S.A. – México (2) - - 45,545 Loans and advances to customers 912 20,367 884,696 Zurich Santander Brasil Seguros e Previdência S.A. - - 814,320 Zurich Santander Brasil Seguros S.A. - - 58,778 Webmotors S.A. - 20,367 - Banco Santander Espanha (1) 912 - - Isban Mexico, S.A. de C.V. - - 122 Gesban Servicios Administrativos Globales, S.L. - - 23 Santander Brasil Gestão de Recursos Ltda. - - 169 Key Management Personnel (5) - - 11,284 Loans and other values with credit institutions (1) 86,638 4,365,518 192 Banco Santander, S.A. – Espanha (1) 86,638 - - Banco RCI Brasil S.A. - 4,365,518 - Santander Global Technology, S.L., SOCI - - 192 Other Assets 74,029 1,128 28,476 Banco Santander, S.A. – Espanha (1) 74,029 - - Banco RCI Brasil S.A. - 1,128 - Zurich Santander Brasil Seguros e Previdência S.A. (4) - - 28,476 Guarantees and Limits - - 4,974 Key Management Personnel (5) - - 4,974 Liabilities (17,105,753) (169,103) (1,529,828) Deposits of Brazil Central Bank and deposits of credit institutions (42,060) (167,017) (20,571) Banco Santander, S.A. – Espanha (1) (42,060) - - Santander FI Santillana Multimercado Crédito Privado (2) - - (20,571) Banco RCI Brasil S.A. - (167,017) - Bonds and securities - - (89,074) Key Management Personnel (5) - - (89,074) Customer deposits - (2,086) (1,008,416) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (199,934) Santander Brasil Gestão de Recursos Ltda - - (332,916) Webmotors S.A. - (2,082) - Santander Caceis Brasil DTVM S.A. - - (404,427) Santander Brasil Asset (2) - - (16,762) Key Management Personnel (5) - - (36,104) Others - (4) (18,273) Other financial liabilities - Dividends and interest on capital payable (6,874,602) - (12,226) Banco Santander, S.A. – Espanha (1) (1,067,623) - - Grupo Empresarial Santander, S.L. (1) (2,177,207) - - Sterrebeeck B.V. (1) (3,629,772) - - Banco Madesant (2) - - (1,948) Key Management Personnel (5) - - (10,278) Other Payables (13,130) - (399,541) Banco Santander, S.A. – Espanha (1) (13,130) - - Santander Brasil Asset - - (7,203) Santander Caceis Brasil DTVM S.A. - - (5,066) Zurich Santander Brasil Seguros e Previdência S.A. (4) - - (21,219) Key Management Personnel (5) - - (357,249) Others - - (8,804) Debt Instruments Eligible to Compose Capital (10,175,961) - - Banco Santander, S.A. – Espanha (1) (10,175,961) - - All loans and other amounts with related parties were made in the normal course of business and on a sustainable basis, including interest rates and guarantees and do not involve risks greater than normal collection or have other disadvantages. (1) Banco Santander (Brasil) S.A. is indirectly controlled by Banco Santander Espanha (note 1-a), through the subsidiaries Grupo Empresarial Santander, S.L. and Sterrebeeck B.V. (2) Refers to the parent company's subsidiaries (Banco Santander Espanha). (3) As of December 31, 2021, it refers to cash and cash equivalents in the amount of R$1,476,611 (2020 – R$ 2,459,371). (4) Significant influence of Banco Santander Espanha. (5) The balance with key management personnel refers to operations contracted prior to the term of the mandates.
Principal transactions and balances - Income	Principal transactions and balances - Income Thousand of Reais 2021 Parent (1) Joint-controlled Other Related-Party (2) Income (2,896,127) 37,036 1,622,821 Interest and similar income - Loans and amounts due from credit institutions 7,534 - 77,832 Banco Santander Espanha 7,534 - - Apolo Fundo de Investimento em Direitos Creditórios - - 76,004 Key Management Personnel - - 1,828 Guarantees and Limits - - 45 Key Management Personnel - - 45 Interest expense and similar charges - Customer deposits - - (634,659) Santander Brasil Gestão de Recursos Ltda. - - (1,159) Gestora de Inteligência de Crédito - - (2,354) Webmotors S.A. - - (233) Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (6,916) Getnet S.A. - - (23,448) Banco Santander (Suisse), S.A. - - (1,437) Key Management Personnel - - (594,194) Others - - (4,918) Interest expense and similar charges - Deposits from credit institutions (122,318) - (4,652) Banco Santander – Espanha (122,318) - - Santander FI Santillana Multimercado Crédito Privado (1) - - (30,024) Santander Caceis Brasil DTVM S.A. (2) - - 25,372 Fee and commission income (expense) - 37,036 3,511,120 Banco RCI Brasil S.A. - 37,036 - Banco Santander International - - 43,375 Zurich Santander Brasil Seguros S.A. - - 118,324 Zurich Santander Brasil Seguros e Previdência S.A. - - 3,200,930 Getnet S.A. - - 145,554 Key Management Personnel - - 399 Others - - 2,538 Gains (losses) on financial assets and liabilities (net) and exchange differences (net) (2,560,112) - (769,218) Banco Santander, S.A. Espanha (2,560,112) - - Santander FI Santillana Multimercado Crédito Privado - - (3,666) Santander Caceis Brasil DTVM S.A. (2) - - (29,413) Zurich Santander Brasil Seguros e Previdência S.A. - - (152,376) Zurich Santander Brasil Seguros S.A. (3) - - 310,706 Getnet S.A. - - (881,699) Key Management Personnel - - (13,083) Others - - 313 Administrative expenses and Amortization (221,231) - (558,452) Banco Santander, S.A. Espanha (221,231) - - ISBAN Chile S.A. - - (4) Aquanima Brasil Ltda. - - (29,526) Santander Caceis Brasil DTVM S.A. (2) - - (45,196) Santander Global Technology, S.L., SOCI - - (446,313) Getnet S.A. - - (2,092) Others - - (35,321) Others Administrative expenses - Donation - - 805 Fundação Sudameris - - 805 Thousand of Reais 2020 Parent (1) Joint-controlled Other Related-Party (2) Income (2,164,484) 204,209 1,442,100 Interest and similar income - Loans and advances to customers 13,934 185,646 1,485 Banco Santander Espanha 13,934 - - Banco RCI Brasil S.A. - 185,646 - Key Management Personnel - - 1,485 Guarantees and Limits - - 61 Key Management Personnel - - 61 Interest expense and similar charges - Customer deposits - - (19,215) Santander Brasil Gestão de Recursos Ltda. - - (5,664) Gestora de Inteligência de Crédito - - (1,039) Webmotors S.A. - - (2) Super Pagamentos e Administração de Meios Eletrônicos S.A. - - (7,198) Key Management Personnel - - (4,657) Others - - (655) Interest expense and similar charges - Deposits from credit institutions (569,355) (6,226) (15,032) Banco Santander Espanha (569,355) - - Banco RCI Brasil S.A. - (6,226) - SAM Brasil Participações - - (3) Santander Caceis Brasil DTVM S.A. (2) - - (14,645) Santander Asset Management, S.A. SGIIC. - - (384) Fee and commission income (expense) (2,002) 24,789 3,092,951 Banco Santander Espanha (2,002) - - Banco RCI Brasil S.A. - 24,789 - Banco Santander International - - 45,261 Webmotors S.A. - - 223 Zurich Santander Brasil Seguros S.A. - - 321,008 Zurich Santander Brasil Seguros e Previdência S.A. - - 2,706,398 Key Management Personnel - - 308 Others - - 19,753 Gains (losses) on financial assets and liabilities (net) and exchange differences (net) (541,693) - (413,101) Banco Santander, S.A. Espanha (541,693) - - Santander FI Santillana Multimercado Crédito Privado - - (396,689) Santander Caceis Brasil DTVM S.A. (2) - - (4,662) Zurich Santander Brasil Seguros e Previdência S.A. - - (17,344) Key Management Personnel - - 180 Others - - 5,414 Administrative expenses and Amortization (202,787) - (1,354,006) Banco Santander, S.A. Espanha (202,787) - - ISBAN Chile S.A. - - (20) Aquanima Brasil Ltda. - - (52,431) TECBAN - Tecnologia Bancária Brasil - - (364,349) Santander Caceis Brasil DTVM S.A. (2) - - (46,813) Santander Global Technology, S.L., SOCI - - (358,364) Key Management Personnel - - (499,514) Others - - (32,515) Others Administrative expenses - Donation - - (19,630) Santander Cultural - - (330) Fundação Santander - - (1,600) Instituto Escola Brasil - - (700) Fundação Sudameris - - (17,000) Result on the sale of assets not classified as assets held for sale - - 168,588 Super Pagamentos e Administração de Meios Eletrônicos S.A. - - 168,588 Debt Instruments Eligible to Compose Capital (862,581) - - Banco Santander Espanha (862,581) - - Thousand of Reais 2019 Parent (1) Joint-controlled Other Related-Party (2) Income (1,458,386) 226,141 1,254,022 Interest and similar income - Loans and advances to customers 219,060 437,322 630 Interest and similar income - Loans and amounts due from credit institutions 109,530 218,661 630 Banco Santander Espanha 109,530 - - Banco RCI Brasil S.A. - 218,661 - Key Management Personnel - - 630 Guarantees and Limits - - 24 Key Management Personnel - - 24 Interest expense and similar charges - Customer deposits - (25) (27,433) Santander Brasil Gestão de Recursos Ltda. - - (16,387) Gestora de Inteligência de Crédito - - (3,275) Webmotors S.A. - (25) - Key Management Personnel - - (7,747) Others - - (24) Interest expense and similar charges - Deposits from credit institutions (174) (3,375) (96,579) Banco Santander – Espanha (174) - - Banco RCI Brasil S.A. - (3,375) - SAM Brasil Participações - - (37) Santander FI Santillana Multimercado Crédito Privado - - (67,821) Santander Securities Services Brasil DTVM S.A. (2) - - (27,595) Santander Asset Management, S.A. SGIIC. - - (1,126) Fee and commission income (expense) 2,310 10,418 2,635,325 Banco Santander – Espanha 2,310 - - Banco RCI Brasil S.A. - 10,201 - Banco Santander International - - 35,294 Webmotors S.A. - 217 - Zurich Santander Brasil Seguros S.A. - - 231,920 Zurich Santander Brasil Seguros e Previdência S.A. - - 2,356,596 Key Management Personnel - - 343 Others - - 11,172 Gains (losses) on financial assets and liabilities (net) and exchange differences (net) (724,169) 462 44,858 Banco Santander, S.A. – Espanha (724,169) - - Santander FI Santillana Multimercado Crédito Privado - - (598) Santander Caceis Brasil DTVM S.A. (2) - - (2,297) Zurich Santander Brasil Seguros e Previdência S.A. - - 43,858 Key Management Personnel - - 168 Others - 462 3,727 Administrative expenses and Amortization (153,332) - (1,283,788) Banco Santander, S.A. – Espanha (153,332) - - ISBAN Chile S.A. - - (28) Aquanima Brasil Ltda. - - (32,032) TECBAN - Tecnologia Bancária Brasil - - (345,610) Santander Caceis Brasil DTVM S.A. (2) - - (49,241) Santander Global Technology, S.L., SOCI - - (336,952) Key Management Personnel - - (482,852) Others - - (37,073) Others Administrative expenses - Donation - - (19,015) Fundação Santander - - (1,615) Instituto Escola Brasil - - (1,300) Fundação Sudameris - - (16,100) Debt Instruments Eligible to Compose Capital (692,551) - - Banco Santander Espanha (692,551) - - (1) Banco Santander (Brasil) S.A. is indirectly controlled by Banco Santander Spain, through its subsidiary Grupo Empresarial Santander, S.L. and Sterrebeeck B.V. (2) Refers to the Company's subsidiaries (Banco Santander, S.A .- Spain).

Risk management (Tables)

Risk management (Tables)	12 Months Ended
	Dec. 31, 2021
The table shown in note 9.b shows the portfolio by internal risk rating levels and its probability of default	The table shown in note 9.b shows the portfolio by internal risk rating levels and its probability of default Thousand of reais 2021 2020 2019 By maturity Less than 1 Year 270,050,934 219,062,744 186,196,849 Between 1 and 5 years 160,932,317 147,013,817 117,841,564 More than 5 years 62,371,451 51,745,465 43,218,247 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660 By internal classification of risk Low 374,505,211 347,315,357 257,133,115 Medium-low 79,216,725 24,277,404 56,549,196 Medium 14,589,977 26,231,871 11,754,806 Medium-High 9,413,111 3,896,457 8,512,386 High 15,629,678 16,100,937 13,307,156 Loans and advances to customers, gross 493,354,702 417,822,026 347,256,660
Expected credit losses, measured using sufficient and available historical data, are presented below	Expected credit losses, measured using sufficient and available historical data, are presented below 2021 Probability of default Default loss Exposure Commercial and industrial 247,674,251 6% 50% Real Estate Credit - construction 54,738,606 2% 8% Individual loans 188,408,840 10% 61% Leasing 2,533,004 2% 31% 2020 Probability of default Default loss Exposure Commercial and industrial 191,281,653 5% 41% Real Estate Credit - construction 45,791,869 3% 7% Individual loans 178,652,145 9% 52% Leasing 2,096,359 1% 31% 2019 Probability of default Default loss Exposure Commercial and industrial 145,387,439 7% 40% Real Estate Credit - construction 39,720,713 3% 10% Individual loans 160,036,668 10% 64% Leasing 2,111,840 2% 41%
Below is a table showing the evolution of the main credit indicators	Below is a table showing the evolution of the main credit indicators 2021 2020 2019 Credit risk exposure - customers (Thousand of Reais) 540,872,632 466,104,042 391,569,227 Loans and advances to customers, gross (note 9) 493,354,702 417,822,026 347,256,660 Contingent Liabilities - Guarantees and other sureties (note 43.a) 47,517,931 48,282,016 44,312,567 Non-performing loans ratio (%) - unaudited 5.46% 5.55% 6.75% Impairment coverage ratio (%) - unaudited 110.40% 110.64% 96.58% Specific credit loss provisions, net of RAWO (*) (Thousand of Reais) - unaudited 29,723,376 25,640,488 22,625,750 Cost of credit (% of risk) - unaudited 3.73% 4.35% 3.93% Data prepared on the basis of management criteria and the accounting criteria of the controller unit. (*) RAWO = Recoveries of Assets Derecognized.
he following table aggregates by product the cash flows of the operations	T he following table aggregates by product the cash flows of the operations 2021 Position of accounts subject to interest rate risk In millions of Reais 0 to 30 days 31 to 180 days 181 to 365 days 1 to 5 years Above 5 years Total Remunerated Assets: Financial assets measured at fair value in income - - - - 3,122 3,122 Debt instruments - - - - 3,122 3,122 Equity instruments - - - - - - Derivatives - - - - - - Financial assets measured at fair value in profit or loss for trading 5,573 4,205 5,128 17,846 12,447 45,199 Debt instruments 355 858 2,358 10,267 9,963 23,801 Equity instruments 21 1 8 11 3 44 Derivatives 5,197 3,346 2,762 7,568 2,481 21,354 Financial assets not intended for trading Mandatory measured at the fair value of the result 54,053 1,012 4,779 59,267 32,808 151,919 Debt instruments 54,053 1,012 4,779 59,267 32,808 151,919 Loans and Advances to Customers - - - - - - Financial assets measured at fair value in other comprehensive income - - - - - - Debt instruments - - - - - - Equity instruments - - - - - - Financial Assets Measured at Amortized Cost 135,081 131,966 96,793 178,655 102,292 644,787 Loans and Other Amounts with Credit stitutions 73,293 1,479 2,255 2,616 - 79,643 Loans and advances to customers 60,735 128,631 71,041 158,933 94,368 513,708 Debt Instruments 1,053 1,856 23,497 17,106 7,924 51,436 Total 194,707 137,183 106,700 255,768 150,669 845,027 - - - - - - Remunerated Liabilities: - - - - - - - - - - - - Financial Liabilities Measured at Fair Value in income Held for Trading 18,955 2,564 2,191 11,196 2,703 37,609 Derivatives 6,174 2,564 2,191 11,196 2,703 24,828 Short Positions 12,781 - - - - 12,781 Financial liabilities at amortized cost 309,659 116,052 108,718 180,572 31,897 746,898 Deposits from the Central Bank of Brazil and deposits from credit institutions 43,414 48,359 27,340 11,415 4,035 134,563 Customer deposits 260,711 50,470 70,403 110,290 24 491,898 Bonds and securities 5,534 17,223 10,975 58,867 8,334 100,933 Debt Instruments Eligible to Capital - - - - 19,504 19,504 Total 328,614 118,616 110,909 191,768 34,600 784,507 2020 Position of accounts subject to interest rate risk In millions of Reais 0 to 30 days 31 to 180 days 181 to 365 days 1 to 5 years Above 5 years Total Remunerated Assets: Financial assets measured at fair value in income - 153 50 250 1,747 2,200 Debt instruments - 153 50 250 1,747 2,200 Equity instruments - - - - - - Derivatives - - - - - - Financial assets measured at fair value in profit or loss for trading 15,635 18,487 4,867 57,091 17,707 113,788 Debt instruments 3,480 11,789 3,150 47,287 14,078 79,784 Equity instruments 1,164 - - - - 1,164 Derivatives 10,992 6,698 1,717 9,804 3,629 32,840 Financial assets not intended for trading Mandatory measured at the fair value of the result 439 - - - - 439 Debt instruments 439 - - - - 439 Loans and Advances to Customers - - - - - - Financial assets measured at fair value in other comprehensive income 3,455 3,625 12,177 63,651 22,430 105,339 Debt instruments 3,383 3,625 12,177 63,651 22,430 105,267 Equity instruments 72 - - - - 72 Financial Assets Measured at Amortized Cost 50,776 130,066 55,339 152,438 63,844 452,462 Loans and Other Amounts with Credit stitutions 25,201 39,879 2,765 3,799 - 71,644 Loans and advances to customers 25,490 88,071 50,829 134,805 61,795 360,990 Debt Instruments 85 2,117 1,745 13,833 2,049 19,828 Total 70,305 152,331 72,433 273,429 105,728 674,227 Remunerated Liabilities: Financial Liabilities Measured at Fair Value in income Held for Trading 55,313 7,878 2,088 12,629 3,515 81,424 Derivatives 10,160 7,878 2,088 12,629 3,515 36,270 Short Positions 45,153 - - - - 45,153 Financial liabilities at amortized cost 174,848 100,497 91,433 131,589 16,667 515,035 Deposits from the Central Bank of Brazil and deposits from credit institutions 4,007 32,846 22,603 7,891 3,031 70,379 Customer deposits 163,297 44,035 61,293 98,867 203 367,694 Bonds and securities 7,544 23,616 7,537 24,832 313 63,841 Debt Instruments Eligible to Capital - - - - 13,120 13,120 Total 230,161 108,376 93,521 144,218 20,182 596,458 2019 Position of accounts subject to interest rate risk In millions of Reais 0 to 30 days 31 to 180 days 181 to 365 days 1 to 5 years Above 5 years Total Interest-earning assets: Financial Assets Held for Trading 3,891 1,091 737 8,444 4,446 18,609 Debt instruments - 3 140 188 889 1,220 Equity instruments 171 - - - - 171 Trading derivatives 3,720 1,088 597 8,256 3,557 17,218 Other Financial Assets at Fair Value Through Profit Or Loss 4,261 802 3,981 16,737 7,075 32,856 Debt instruments 2,232 802 3,981 16,737 7,075 30,827 Equity instruments 2,029 - - - - 2,029 Investments Held to Maturity 98 96 280 3,679 3,981 8,134 Reserves from Brazilian Central Bank 69,663 - - - - 69,663 Financial Assets Measured at Amortized Cost 28,416 75,794 51,603 112,467 54,815 323,095 Total 106,329 77,783 56,601 141,327 70,317 452,357 Interest-bearing liabilities: Deposits from credit institutions 224,610 62,181 69,277 70,882 2,556 429,506 Subordinated debts - - - 10,077 - 10,077 Marketable debt securities 3,677 25,781 19,125 28,134 3,475 80,192 Trading derivatives 4,597 1,621 1,074 9,119 3,828 20,239 Short positions 23,501 - - - - 23,501 Total 256,385 89,583 89,476 118,212 9,859 563,515
Position of accounts subject to currency risk	Position of accounts subject to currency risk Currency Risk 2021 Position of accounts subject to currency risk In millions of Reais Asset: Dollar Euro Others Total Cash/Applications/Debt Instruments 114,021 1,337 5,163 120,521 Loans and advances to customers 5,529 2,218 608 8,355 Derivatives 289,245 14,190 8,011 311,446 Others 1,251 - - 1,251 Total 410,046 17,744 13,782 441,573 Liabilities: Dollar Euro Others Total Funding in foreign currency 80,991 2,194 2,130 85,315 Derivatives 225,554 14,279 8,631 248,464 Others 105,570 1,220 2,912 109,701 Total 412,115 17,711 13,673 443,480 2020 Position of accounts subject to currency risk In millions of Reais Asset: Dollar Euro Others Total Cash/Applications/Debt Instruments 42,860 1,870 569 45,299 Loans and advances to customers 5,803 3,187 1,140 10,130 Investments in Foreign Subsidiaries and Dependence 57,914 215 - 58,129 Derivatives 125,495 10,451 2,795 138,741 Others 25,866 - - 25,866 Total 257,938 15,723 4,504 278,165 Liabilities: Dollar Euro Others Total Funding in foreign currency 61,173 384 - 61,557 Derivatives 147,911 14,449 2,854 165,214 Others 39,972 219 437 40,629 Total 249,056 15,052 3,291 267,400 2019 Position of accounts subject to currency risk In millions of Reais Asset: Dollar Euro Others Total Cash/Applications/Debt Instruments 12,406 224 1 12,631 Loans and advances to customers 4,776 1,920 - 6,696 Investments in Foreign Subsidiaries and Dependence 50,193 3,557 - 53,750 Derivatives 150,538 13,053 9,712 173,303 Others 10,521 574 - 11,095 Total 228,434 19,328 9,713 257,475 Liabilities: Dollar Euro Others Total Funding in foreign currency 59,416 925 49 60,390 Derivatives 169,136 20,184 8,515 197,835 Others - 60 1,009 1,069 Total 228,552 21,169 9,573 259,294
highlighting the increasing of time deposit funding and the keeping of financial letters	The Bank has different funding sources, both in products and mix of clients, with a healthy distribution between the segments. The total of clients’ resources is currently in R$ 78,6 billion and presented an increase comparing with 2019 amount, highlighting the increasing of time deposit funding and the keeping of financial letters inventory. highlighting the increasing of time deposit funding and the keeping of financial letters In millions of Reais Customers Funding 2021 2020 0 a 30 days Total % 0 a 30 days Total % Demand deposits 39,574 39,574 100% 35,550 35,550 100% Savings accounts 65,220 65,220 100% 62,210 62,210 100% Time deposits 92,496 308,950 30% 77,298 279,778 28% Interbank deposit 763 4,001 19% 818 5,145 16% Funds from acceptances and issuance of securities 5,621 88,089 6% 7,544 70,628 11% Borrowings and Onlendings - 90,709 0% 3,189 67,760 5% Subordinated Debts / Debt Instruments Eligible to Compose Capital - 19,641 0% - 13,120 0% Total 203,674 616,184 33% 186,609 534,191 100% In millions of Reais Customers Funding 2019 0 a 30 days Total % Demand deposits 29,524 29,524 100% Savings accounts 49,040 49,040 100% Time deposits 53,321 190,344 28% Interbank deposit 871 4,299 20% Funds from acceptances and issuance of securities 3,921 85,963 5% Borrowings and Onlendings 5,077 54,880 9% Subordinated Debts / Debt Instruments Eligible to Compose Capital - 10,175 0% Total 141,754 424,225 33% Time deposits 53,321 190,344 28% Interbank deposit 871 4,299 20% Funds from acceptances and issuance of securities 3,921 85,963 5% Borrowings and Onlendings 5,077 54,880 9% Subordinated Debts / Debt Instruments Eligible to Compose Capital - 10,175 0% Total 141,754 424,225 33%
Assets and liabilities in accordance with the remaining contractual maturities, considering the undiscounted flows are as follows:	Assets and liabilities in accordance with the remaining contractual maturities, considering the undiscounted flows are as follows: 2021 In millions of Reais Future Cash Flows Except for Derivatives 0 to 30 days 31 to 180 days 181 to 365 days 1 to 5 years Above 5 years Total Remunerated Assets: Financial assets measured at fair value in income - - - - 3,122 3,122 Debt instruments - - - - 3,122 3,122 Financial assets measured at fair value in profit or loss for trading 5,573 4,197 5,031 16,366 8,023 39,191 Debt instruments 355 850 2,261 8,786 5,539 17,791 Equity Instruments 21 1 8 11 3 44 Derivatives 5,197 3,346 2,762 7,568 2,481 21,354 Financial assets measured at fair value in other comprehensive income 54,012 1,007 4,690 50,092 15,833 125,635 Debt instruments 54,012 1,007 4,690 50,092 15,833 125,635 Equity Instruments - - - - - - Financial assets measured at amortized cost 109,330 98,848 78,187 172,736 78,053 537,155 Loans and Other Amounts with Credit Institutions 73,290 1,464 2,041 2,313 - 79,108 Loans and advances to customers 34,989 94,872 55,118 150,204 76,554 411,737 Debt instruments 1,051 2,512 21,028 20,219 1,499 46,310 Total 168,915 104,053 87,907 239,195 105,032 705,102 Remunerated Liabilities: Financial Liabilities Measured at Fair Value in 18,955 2,564 2,191 11,196 2,703 37,609 Derivatives 6,174 2,564 2,191 11,196 2,703 24,828 Short positions 12,781 - - - - 12,781 Financial liabilities at amortized cost 289,743 106,358 102,585 165,145 25,366 689,197 Deposits from the Central Bank of Brazil and deposits from credit institutions 33,714 46,465 25,626 10,610 2,742 119,157 Customer deposits 252,070 48,364 67,467 105,690 23 473,613 Bonds and securities 3,959 11,529 9,492 48,845 3,097 76,922 Debt Instruments Eligible to Capital - - - - 19,504 19,504 Total 308,698 108,922 104,776 176,341 28,069 726,806 2020 Non-Discounted Future Flows Except Derivatives In millions of Reais 0 to 30 days 31 to 180 days 181 to 365 days 1 to 5 years Above 5 years Total Interest-earning assets: Financial assets measured at fair value in income - 174 98 667 2,900 3,839 Debt instruments - 174 98 667 2,900 3,839 Financial assets measured at fair value in profit or loss for trading 16,028 19,211 5,763 63,618 25,489 130,108 Debt instruments 3,873 12,513 4,046 53,814 21,859 96,104 Equity Instruments 1,164 - - - - 1,164 Derivatives 10,992 6,698 1,717 9,804 3,629 32,840 Financial assets not intended for trading 439 - - - - 439 Equity Instruments 439 - - - - 439 Financial assets measured at fair value in other comprehensive income 5,000 3,874 13,850 75,849 35,538 134,110 Debt instruments 4,928 3,874 13,850 75,849 35,538 134,038 Equity Instruments 72 - - - - 72 Financial assets measured at amortized cost 53,147 145,280 69,004 208,295 135,783 611,509 Loans and Other Amounts with Credit 24,638 40,579 2,901 4,205 - 72,324 Loans and advances to customers 28,424 102,379 64,194 188,430 135,987 519,415 Debt instruments 85 2,321 1,909 15,660 (205) 19,771 Total 74,615 168,538 88,715 348,429 199,709 880,005 Remunerated Liabilities: Financial Liabilities Measured at Fair Value in 55,313 7,878 2,088 12,629 3,515 81,424 Derivatives 10,160 7,878 2,088 12,629 3,515 36,270 Short positions 45,153 - - - - 45,153 Financial liabilities at amortized cost 176,223 101,111 93,103 145,931 16,471 532,838 Deposits from the Central Bank of Brazil and 3,707 33,039 22,860 8,014 2,802 70,421 Customer deposits 165,171 44,571 62,606 110,809 215 383,372 Bonds and securities 7,345 23,502 7,637 27,109 333 65,925 Debt Instruments Eligible to Capital - - - - 13,120 13,120 Total 463,072 217,979 190,382 317,119 39,972 1,228,525 2019 Non-Discounted Future Flows Except Derivatives In millions of Reais 0 to 30 days 31 to 180 days 181 to 365 days 1 to 5 years Above 5 years Total Interest-earning assets: Financial Assets Held For Trading 3,766 1,103 802 8,894 6,157 20,722 Debt instruments 46 15 205 638 2,600 3,504 Trading derivatives 3,720 1,088 597 8,256 3,557 17,218 Other financial assets at fair 2,642 1,160 4,853 23,638 15,502 47,795 Debt instruments 2,642 1,160 4,853 23,638 15,502 47,795 Investments Held to 99 111 327 4,066 6,030 10,633 Reserves from Brazilian 69,663 - - - - 69,663 Financial Assets Measured at Amortized Cost 32,417 89,335 65,395 159,615 110,607 457,369 Total 108,587 91,709 71,377 196,213 138,296 606,182 Interest-bearing liabilities: Deposits from credit institutions 218,883 61,461 71,953 79,666 2,660 434,623 Subordinated Debts / Debt Instruments Eligible to Compose Capital - - - 12,673 - 12,673 Marketable debt securities 3,697 26,096 19,829 31,407 4,628 85,657 Trading derivatives 4,597 1,621 1,074 9,119 3,828 20,239 Short positions 23,501 - - - - 23,501 Total 250,678 89,178 92,856 132,865 11,116 576,693
The main factors that occurred in 2021 and influenced the sensitivities were the fall in the yield curve (convexity effect), portfolio decline and updating of the implicit methodologies on the cash flows of Banco Santander products.	Interest risk in balance sheet management portfolios, measured in terms of net interest income sensitivity, for one year at a parallel rise of 100 basis points of the interest rate curve, increased by R$121 million between 2021 and 2020, reaching the maximum of R$607 million in June, 2021. Value sensitivity decreased by R$96 million during the year 2021, reaching a maximum level of R$1,882 million in September, 2021. The main factors that occurred in 2021 and influenced the sensitivities were the fall in the yield curve (convexity effect), portfolio decline and updating of the implicit methodologies on the cash flows of Banco Santander products. Million of Reais 2021 2020 2019 Sensibilities Net Interest Margin 553 432 334 Market Value of Equity 1,675 1,771 2,063 Value at Risk - Balance VaR 791 1,365 1,755
Trading portfolio	Trading portfolio 2021 Risk Factor Description Scenario 1 Scenario 2 Scenario 3 Interest Rate - Reais Exposures subject to changes in interest fixed rate (4,943) (108,670) (217,339) Coupon Interest Rate Exposures subject to changes in coupon rate of interest rate (550) (7,132) (14,265) Coupon - US Dollar Exposures subject to changes in coupon US Dollar rate (5,564) (34,407) (68,815) Coupon - Other Currencies Exposures subject to changes in coupon foreign currency rate (5,270) (19,539) (39,077) Foreign currency Exposures subject to foreign exchange (1,127) (1,900) (3,801) Eurobond/Treasury/Global Exposures subject to Interest Rate Variation on Papers Traded on the International Market (426) (10,658) (21,315) Inflation Exposures subject to change in coupon rates of price indexes (5,218) (6,018) (12,035) Shares and Indexes Exposures subject to change in shares price (1,553) (38,814) (77,629) Commodities Exposures subject to change in commodities' prices (1,184) (29,609) (59,217) Total (1) (25,835) (256,747) (513,493) (1) Amounts net of taxes.
Portfolio Banking	Portfolio Banking 2021 Risk Factor Description Scenario 1 Scenario 2 Scenario 3 Interest Rate - Reais Exposures subject to changes in interest fixed rate (48,956) (1,673,128) (3,756,544) TR and Long-Term Interest Rate - (TJLP) Exposures subject to changes in Exchange of TR in TJLP (6,413) (97,524) (145,711) Inflation Exposures subject to change in coupon rates of price indexes (34,286) (455,628) (838,652) Coupon - US Dollar Exposures subject to changes in coupon US Dollar rate (13,530) (60,291) (117,298) Coupon - Other Currencies Exposures subject to changes in coupon foreign currency rate (3,891) (7,770) (15,642) Interest Rate Markets International Exposures subject to changes in interest rate negotiated roles in international market (31,456) (78,782) (161,417) Foreign Currency Exposures subject to Foreign Exchange 560 13,995 27,989 Total (1) (137,972) (2,359,128) (5,007,275) (1) Amounts net of taxes.
In calculating the economic capital, it is the Bank's definition of losses to be covered. Thus, it is used a confidence interval necessary to ensure business continuity.	In calculating the economic capital, it is the Bank's definition of losses to be covered. Thus, it is used a confidence interval necessary to ensure business continuity. % Capital 2021 2020 2019 Risk Type New Methodology New Methodology New Methodology Credit 62% 69% 71% Market 2% 2% 2% ALM 6% 2% 5% Business 7% 3% 3% Operational 7% 6% 7% Fixed Assets 1% 2% 2% Intangible Assets 5% 5% 1% Pension Funds 1% 2% 4% Deferred Tax Assets 9% 9% 5% TOTAL 100% 100% 100%

RECONCILIATION OF STOCKHOLDER_2

RECONCILIATION OF STOCKHOLDERS’ EQUITY AND NET INCOME - BRGAAP vs IFRS (Tables)	12 Months Ended
	Dec. 31, 2021
Reconciliation Of Stockholders Equity And Net Income - Brgaap Vs Ifrs
The table below presents a conciliation of stockholders' equity and net income attributed to the parent between standards adopted in Brazil (BRGAAP) and IFRS, with the conceptual description of the main adjustments:	The table below presents a conciliation of stockholders' equity and net income attributed to the parent between standards adopted in Brazil (BRGAAP) and IFRS, with the conceptual description of the main adjustments: Thousand of Reais Note 2021 2020 2019 Stockholders' equity attributed under to the Parent Brazilian GAAP 78,739,563 78,968,183 69,773,232 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss i (103,386) (882) 8,767 Reclassification of fair value through other comprehensive income j 182,094 (522,107) 73,431 Impairment of financial assets measured at amortized cost a (1,468,494) (635,194) (23,589) Remensurations, Debt instruments, due to reclassifications IFRS 9 - 907 - Category transfers - IFRS 9 b (141,260) 357,972 (206,984) Deferral of financial fees, commissions and inherent costs under effective interest rate method c 1,549,438 1,324,853 1,197,325 Reversal of goodwill amortization d 26,709,187 27,527,699 26,933,892 Realization on purchase price adjustments e 603,544 615,953 477,366 Recognition of fair value in the partial sale in subsidiaries f - - 112,052 Option for Acquisition of Equity Instrument g (763,988) (1,744,336) (1,816,799) Goodwill acquisition Santander Services (Santusa) h (179,387) (209,285) (239,182) Tax Credit with realization over 10 years - - 184,005 Others 512,835 93,224 177,064 Stockholders' equity attributed to the parent under IFRS 105,640,146 105,776,987 96,650,580 Non-controlling interest under IFRS 334,349 312,885 558,581 Stockholders' equity (including non-controlling interest) under IFRS 105,974,495 106,089,872 97,209,161 Thousand of Reais Note 2021 2020 2019 Net income attributed to the Parent under Brazilian GAAP 14,987,716 13,469,380 14,180,987 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss i (83,995) (27,428) 422 Reclassification of fair value through other comprehensive income j 45,826 68,960 451 Impairment of financial assets measured at amortized cost a (1,028,937) (498,778) 1,872,553 Remensurations, Debt instruments, due to reclassifications IFRS 9 - 907 (16,659) Category transfers - IFRS 9 b 126,520 (78,057) 6,437 Deferral of financial fees, commissions and inherent costs under effective interest rate method c 215,525 185,478 346,298 Reversal of goodwill amortization d 29,658 145,903 175,257 Realization on purchase price adjustments e (17,758) (5,348) (153,752) Option to Acquire Own Equity Instrument g 1,180,949 318,929 - Goodwill acquisition Santander Services (Santusa) h 29,898 29,898 29,898 Tax credit with realization over 10 years - (184,005) (75,995) Others 42,648 (7,311) 41,035 Net income attributed to the parent under IFRS 15,528,051 13,418,528 16,406,932 Non-controlling interest under IFRS 31,272 32,224 224,518 Net income (including non-controlling interest) under IFRS 15,559,323 13,450,752 16,631,450
The following Statements of value added is not required under IFRS but being presented as supplementary information as required by Brazilian Corporate Law for publicly-held companies, and has been derived from the Bank´s consolidated financial statements prepared in accordance with IFRS.	The following Statements of value added is not required under IFRS but being presented as supplementary information as required by Brazilian Corporate Law for publicly-held companies, and has been derived from the Bank´s consolidated financial statements prepared in accordance with IFRS. 2021 2020 2019 Thousand of Reais Interest and similar income 77,987,308 62,774,940 72,841,060 Net fee and commission income 15,273,301 16,228,214 15,713,152 Impairment losses on financial assets (net) (17,112,734) (17,450,188) (13,369,905) Other income and expense (3,843,999) (5,012,403) (4,025,384) Interest expense and similar charges (28,885,478) (18,332,228) (28,519,953) Third-party input (8,078,399) (7,946,539) (7,544,695) Materials, energy and others (713,400) (641,831) (659,656) Third-party services (6,231,129) (6,424,755) (6,047,498) Impairment of assets (165,799) (84,908) (131,435) Other (968,071) (795,045) (706,106) Gross added value 35,339,999 30,261,796 35,094,275 Retention Depreciation and amortization (2,433,921) (2,579,127) (2,391,857) Added value produced 32,906,078 27,682,669 32,702,418 Investments in affiliates and subsidiaries 144,184 112,261 149,488 Added value to distribute 33,050,262 27,794,930 32,851,906 Added value distribution Employee 8,045,893 24.3% 7,943,711 28.6% 8,457,212 25.7% Compensation 5,929,439 5,749,669 5,961,765 Benefits 1,593,386 1,514,611 1,637,099 Government severance indemnity funds for employees - FGTS 431,249 448,457 502,173 Other 91,819 230,974 356,175 Taxes 9,269,368 28.0% 6,298,717 22.7% 7,674,704 23.4% Federal 8,332,994 10,088,318 6,571,450 State 813 (830,771) 54 Municipal 935,561 (2,958,830) 1,103,200 Compensation of third-party capital - rental 175,677 0.5% 101,749 0.4% 88,540 0.3% Remuneration of interest on capital 15,559,324 47.1% 13,450,753 48.4% 16,631,450 50.6% Dividends and interest on capital 9,649,000 3,837,085 10,800,000 Profit Reinvestment 5,879,052 9,581,444 5,606,932 Profit (loss) attributable to non-controlling interests 31,272 32,224 224,518 Total 33,050,262 100.0% 27,794,930 100.0% 32,851,906 100.0%

The following table provides de

The following table provides details of financial assets and liabilities subject to offsetting at December 31, 2021, 2020 and 2019: (Details) - Derivatives [member] - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Financial assets, gross	R$ 21575848	R$ 26808181	R$ 19279829
Financial assets offset in the balance sheet, gross	(435,925)	(560,666)	(458,929)
Financial assets offset in the balance sheet, net	21,139,923	26,247,515	18,820,900
Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements	25,054,906	29,917,498	21,264,072
Financial liabilities offset in balance sheet, gross	(435,925)	(560,666)	(458,929)
Financial liabilities offse tin the balance sheet, net	R$ 24618981	R$ 29356832	R$ 20805143

Lease liabilities are mainly ad

Lease liabilities are mainly adjusted for (Details)	Dec. 31, 2021
Until 3 months	17.80%
From 3 to 12 months	6.60%
From 1 to 3 years	3.50%
From 3 to 5 years	3.50%
More than 5 years	3.50%

The Depreciation expense on tan

The Depreciation expense on tangible assets (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2021
Buildings for own use		4.00%
Furniture		10.00%
Fixtures		10.00%
Office and IT equipment		20.00%
Leasehold improvements	10% or up to contractual maturity

Below are highlighted the contr

Below are highlighted the controlled entities and investment funds included in the consolidated financial statements of Banco Santander. Similar information regarding companies accounted by the equity method by the Bank is provided (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Banco Santander Brasil S A [Member] | Atual Servicosde Recuperacaode Creditos Meios Digitais S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Recovery of Defaulted Credits
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 2142011
Quantity of Shares or Quotas Owned - Preferred Shares
[custom:DirectParticipation]		100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Aymore Credit Financiamen To Investimen To S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Financial
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 2877
Quantity of Shares or Quotas Owned - Preferred Shares
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | B E N Beneficios E Servicos S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 90000
Quantity of Shares or Quotas Owned - Preferred Shares
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Esfera Fidelidade S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 10001
Quantity of Shares or Quotas Owned - Preferred Shares
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Gestao Integradade Recebiveisdo Agronegocio S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Tecnology
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 381
Quantity of Shares or Quotas Owned - Preferred Shares
[custom:DirectParticipation]	80.00%
Proportion of ownership interest in subsidiary	80.00%
Banco Santander Brasil S A [Member] | Rojo Entretenimento S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 7417
[custom:DirectParticipation]	94.60%
Proportion of ownership interest in subsidiary	94.60%
Banco Santander Brasil S A [Member] | Sanb Promotora De Vendas E Cobranca Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 30988
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Sancap Investimentos E Participacoes S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Holding
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 23538159
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Santander Brasil Administradora De Consorcio Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Buying Club
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 436441
Quantity of Shares or Quotas Owned - Preferred Shares
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Santander Corretorade Titulose Valores Mobiliarios S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Broker
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 14067640
Quantity of Shares or Quotas Owned - Preferred Shares	R$ 14067640
[custom:DirectParticipation]	99.99%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Santander Corretora De Seguros Investimentos Servicos S A Santander Corretora De Seguros [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 7184
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Santander Holding Imobiliaria S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Holding
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 558601
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Santander Leasing S A Arrendamento Mercantil [Member]
IfrsStatementLineItems [Line Items]
Activity	Leasing
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Santander Leasing S A Arrendamento Mercantil Satander Leasing [Member]
IfrsStatementLineItems [Line Items]
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 164
Banco Santander Brasil S A [Member] | Santander Tecnologiae Inovacao Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 196979
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Paytec Tecnologiaem Pagamentos Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 348
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | S X Negocios Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 75050
[custom:DirectParticipation]	100.00%
Proportion of ownership interest in subsidiary	100.00%
Banco Santander Brasil S A [Member] | Banco P S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Banco Hyundai Capital Brasil S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Solutions 4 Fleet [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Bank Bandepe S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | P I Distribuidora De Titulos E Valores Mobiliarios S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Santander Capitalizacao S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Evidence Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Summer Empreendimentos Ltda [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Ape Tecnologiae Negocios Imobiliarios S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation1]	0.00%
Banco Santander Brasil S A [Member] | Return Capital Servicos De Recuperacao De Creditos S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Lideranca Servicos Especializadosem Cobrancas Ltda [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Paytec Logisticae Armazem Ltda [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Toro Corretorade Titulose Valores Mobiliarios Ltda [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Banco Santander Brasil S A [Member] | Toro Investimentos S A [Member]
IfrsStatementLineItems [Line Items]
[custom:DirectParticipation]	0.00%
Aymore C F I [Member] | Banco P S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Bank
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 105
Proportion of ownership interest in subsidiary	50.00%
Aymore C F I [Member] | Banco Hyundai Capital Brasil S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Bank
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 150000
Proportion of ownership interest in subsidiary	50.00%
Aymore C F I [Member] | Solutions 4 Fleet [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 328
Proportion of ownership interest in subsidiary	80.00%
Aymore C F I [Member] | Bank Bandepe S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Bank
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 3589
Proportion of ownership interest in subsidiary	100.00%
Controlled By Santander Leasing [Member] | P I Distribuidora De Titulos E Valores Mobiliarios S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Leasing
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 348
Proportion of ownership interest in subsidiary	100.00%
Sancap [Member] | Santander Capitalizacao S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Capitalization
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 64615
Proportion of ownership interest in subsidiary	100.00%
Sancap [Member] | Evidence Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Private Pension
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 42819564
Proportion of ownership interest in subsidiary	100.00%
Sancap [Member] | Summer Empreendimentos Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 17084
Proportion of ownership interest in subsidiary	100.00%
Sancap [Member] | Ape Tecnologiae Negocios Imobiliarios S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Proportion of ownership interest in subsidiary	90.00%
[custom:QuantityOfSharesOrQuotasOwnedCommonSharesAndQuotas1]	R$ 3808
Controlling Entity Controlled By Atual Servicos De Recuperacao De Creditos Meios Digitais S A [Member] | Return Capital Servicos De Recuperacao De Creditos S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Collection and Recover of Credit Management
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 200
Proportion of ownership interest in subsidiary	100.00%
Controlling Entity Controlled By Atual Servicos De Recuperacao De Creditos Meios Digitais S A [Member] | Lideranca Servicos Especializadosem Cobrancas Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Collection and Recover of Credit Management
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 250
Proportion of ownership interest in subsidiary	100.00%
Controlling Entity Controlled By Atual Servicos De Recuperacao De Creditos Meios Digitais S A [Member] | Paytec Logisticae Armazem Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 100
Proportion of ownership interest in subsidiary	100.00%
Controlling Entity Controlled By Atual Servicos De Recuperacao De Creditos Meios Digitais S A [Member] | Toro Corretorade Titulose Valores Mobiliarios Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Broker
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 19140
Proportion of ownership interest in subsidiary	60.00%
Controlling Entity Controlled By Atual Servicos De Recuperacao De Creditos Meios Digitais S A [Member] | Toro Investimentos S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Broker
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 98400
Proportion of ownership interest in subsidiary	100.00%
Jointly Controlled Companies By Sancap [Member] | Santander Auto S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 22452
Proportion of ownership interest in subsidiary	50.00%

Cash and balances with the Br_3

Cash and balances with the Brazilian Central Bank (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash and cash equivalents	R$ 16657201	R$ 20148725	R$ 20127364
of which:
Cash	4,026,282	4,266,197	4,877,849
Cash and Foreign currency application abroad	12,630,919	15,882,528	15,249,515
Total	R$ 16657201	R$ 20148725	R$ 20127364

Loans and amounts due from cr_3

Loans and amounts due from credit institutions - Currency (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financial Assets Measured at Amortized Cost		R$ 95664754	R$ 112849776	R$ 109233128
Of which:
Loans and amounts due from credit institutions, gross		95,686,579	112,858,840	109,246,671
Impairment losses (note 9.c)		(21,825)	(9,064)	(13,543)
Loans and amounts due from credit institutions, net		95,664,754	112,849,776	109,233,128
Loans and amounts due from credit institutions, gross		95,686,579	112,858,840	109,247,248
Type:
Time deposits		73,780,552	63,673,689	66,908,232
Reverse repurchase agreements	[1]	4,129,438	699,034	100,246
Escrow deposits		10,200,137	10,773,280	11,424,537
Other accounts (2)		7,576,452	37,712,838	30,814,233
Total		95,686,579	112,858,840	109,247,248
Brazilian Real		91,889,990	109,287,868	107,693,973
US dollar		2,445,781	2,778,911	1,401,601
Euro		1,350,808	792,061	151
Total		R$ 95686579	R$ 112858840	R$ 109247248
[1]	Guaranteed by debt instruments.

Cash equivalents (Details)

Cash equivalents (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash equivalents:
Short-term transactions and low risk of change in its value	[1]	R$ 16011548	R$ 8298083	R$ 1316299
[1]	The Amount refers to investments in the open market (repurchase agreements) and investments in interbank deposits (CDI) at

The breakdown, by classificatio

The breakdown, by classification, type and currency, of the balances of “Debt instruments” is as follows (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financial assets measured at fair value through profit or loss		R$ 3122017	R$ 3545660	R$ 3735076
Financial assets measured at fair value through profit or loss held for trading		47,752,595	68,520,799	34,885,631
Financial assets measured at fair value through other comprehensive income		101,212,600	109,668,214	95,962,927
Financial assets measured at amortized cost		73,125,011	48,367,791	38,748,296
Of which:
Debt instruments		74,315,903	49,945,226	40,803,323
Impairment losses		(1,190,892)	(1,577,435)	(2,055,027)
Total		225,212,223	230,102,464	173,331,930
Type:
Government securities - brazil	[1]	171,436,589	191,896,439	135,848,053
Debentures and promissory notes		19	17,071,856	13,874,883
Other debt securities	[2]	33,893,700	21,134,169	23,608,994
Total		R$ 225212223	R$ 230102464	R$ 173331930
[1]	Includes, substantially, National Treasury Bills (LTN), Treasury Bills (LFT) e National Treasury Notes (NTN-A, NTN-B, NTN-C e NTN-F).
[2]	Substantially refer to securities issued by the Official Credit Institute (ICO) of Spain.

The debt instruments are compos

The debt instruments are composed, majority by (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Brazilian Real	R$ 208599863	R$ 207752590	R$ 164447235
US dollar	16,612,360	22,292,647	8,884,695
Euro		57,227
Total	R$ 225212223	R$ 230102464	R$ 173331930

Debt Instruments linked to (Det

Debt Instruments linked to (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Repo Operations		R$ 76211049	R$ 101371733	R$ 102849859
Operations guarantees in B3 S.A. - Brasil, Bolsa, Balcão (B3 S.A.)		19,470,624	12,963,251	6,618,651
Associated to judiciary deposits and other guarantees	[1]	23,291,528	9,665,135	9,573,331
Total		R$ 118973201	R$ 124000119	R$ 119041841
[1]	Substantially refers to securities issued by the Official Credit Institute (ICO) of Spain.

Accounting policies and metho_4

Accounting policies and method of measurement (Details Narrative) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Description of fully amortised intangible assets	Expenditures for acquisition and development of software are amortized over a maximum period of 5 year
Lat additional technical provisions	R$ 209277	R$ 285554	R$ 357539

The breakdown, by classificat_2

The breakdown, by classification and type, of the balances of “Equity instruments” is as follows (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Equity Instruments
Financial assets measured at fair value through profit or loss held for trading		R$ 2020610	R$ 1818276	R$ 2029470
Non-trading financial assets mandatorily measured at fair value through profit or loss		477,707	438,912	171,453
Financial assets measured at fair value through other comprehensive income		29,187	72,173	157,306
Total		2,527,504	2,329,361	2,358,229
Type:
Shares of Brazilian companies		1,869,824	1,953,128	665,027
Shares of foreign companies		48,825	13,617
Investment funds	[1]	608,855	362,616	1,693,202
Total		R$ 2527504	R$ 2329361	R$ 2358229
[1]	Composed mainly by investment on fixed income, public and private securities.

Equity instruments - Financial

Equity instruments - Financial assets measured at fair value through profit or loss held for trading (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Equity Instruments
Balance at beginning of year	R$ 1818276	R$ 2029470	R$ 766333
Net additions (disposals) / adjustments	202,334	(211,194)	1,263,137
Balance at end of year	R$ 2020610	R$ 1818276	R$ 2029470

Equity instruments - Non-Tradin

Equity instruments - Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Equity Instruments
Balance at beginning of year	R$ 438912	R$ 171453	R$ 298297
Net additions (disposals) / adjustments	38,795	267,459	(126,844)
Balance at end of year	R$ 477707	R$ 438912	R$ 171453

Equity instruments - Financia_2

Equity instruments - Financial Assets Measured At Fair Value Through Other Comprehensive Income (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Disclosure of analysis of other comprehensive income by item [abstract]
Balance at beginning of year	R$ 72173	R$ 157306	R$ 40986
Net additions (disposals) / adjustments	(42,986)	(85,133)	116,320
Balance at end of year	R$ 29187	R$ 72173	R$ 157306

Portfolio summary of trading de

Portfolio summary of trading derivative and used as hedge (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Swap Differentials Receivable	R$ 7641355	R$ 14729642	R$ 14634863
Option Premiums to Exercise	1,385,889	4,974,618	1,065,753
Forward Contracts and Others	12,112,679	6,543,254	3,120,284
Trading Derivative And Used As Hedge Assets Total	21,139,923	26,247,514	18,820,900
Trading Derivative And Used As Hedge Liabilities Total	8,538,705		20,805,143
Swap Differentials Payable		18,327,611	16,458,397
Option Premiums Launched	2,256,244	4,926,994	1,699,729
Trading Derivative And Used As Hedge Liabilities Forward Contracts And Others	13,824,032	6,102,227	2,647,017
[custom:TradingDerivativeAndUsedAsHedgeLiabilitiesTotal1-0]	R$ 24618981	29,356,832
Previously stated [member]
IfrsStatementLineItems [Line Items]
Swap Differentials Receivable		14,729,642	14,634,863
Option Premiums to Exercise		4,974,618	1,065,753
Forward Contracts and Others		9,166,360	4,745,118
Trading Derivative And Used As Hedge Assets Total		28,870,620	20,445,734
Trading Derivative And Used As Hedge Liabilities Total		18,327,611	16,458,397
Option Premiums Launched		4,926,994	1,699,729
Trading Derivative And Used As Hedge Liabilities Forward Contracts And Others		8,725,333	4,271,851
[custom:TradingDerivativeAndUsedAsHedgeLiabilitiesTotal1-0]		31,979,938	22,429,977
Adjustment [Member]
IfrsStatementLineItems [Line Items]
Swap Differentials Receivable
Option Premiums to Exercise
Forward Contracts and Others		(2,623,106)	(1,624,834)
Trading Derivative And Used As Hedge Assets Total		(2,623,106)	(1,624,834)
Trading Derivative And Used As Hedge Liabilities Total
Option Premiums Launched
Trading Derivative And Used As Hedge Liabilities Forward Contracts And Others		(2,623,106)	(1,624,834)
[custom:TradingDerivativeAndUsedAsHedgeLiabilitiesTotal1-0]		R$ 2623106	R$ 1624834

Summary by Category (Details)

Summary by Category (Details) - BRL (R$)		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
Swap contract [member]
IfrsStatementLineItems [Line Items]
[custom:NotionalAmount1-0]	[1]	R$ 837762019000		R$ 398925842000		R$ 561967799000
Curve value	[1]	(1,804,744,000)		(3,076,947,000)
Financial assets, at fair value		(897,350,000)		(3,597,969,000)		(1,823,534,000)
Notional amount		841,676,369,000
Swap contract [member] | Assets [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	13,162,674,000		6,249,519,000
Financial assets, at fair value		7,641,355,000		14,729,642,000		147,010,930,000
Notional amount	[1]	418,137,448,000		278,752,387,000		282,164,189,000
Swap contract [member] | Assets [Member] | CDI (Interbank Deposit Rates) [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	318,541,000		326,586,000
Financial assets, at fair value		(778,177,000)		3,010,880,000		16,908,791,000
Notional amount	[1]	66,837,268,000		41,316,315,000		40,550,627,000
Swap contract [member] | Assets [Member] | Fixed Interest Rate - Real [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	9,269,271,000		4,013,563,000
Financial assets, at fair value		6,412,471,000		9,607,342,000
Notional amount	[1]	231,741,021,000		54,159,848,000		47,140,927,000
Swap contract [member] | Assets [Member] | Indexed to Price and Interest Rates [Member]
IfrsStatementLineItems [Line Items]
[custom:NotionalAmount1-0]	[1]	5,124,411,000
Financial assets, at fair value		(234,488,000)
Notional amount	[1]	2,089,110,000				2,388,118,000
Swap contract [member] | Assets [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	799,550,000		959,322,000
Financial assets, at fair value		2,003,728,000		1,039,529,000		130,102,139,000
Notional amount	[1]	91,837,446,000		178,076,136,000		192,084,517,000
Swap contract [member] | Assets [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	2,775,313,000		950,048,000
Financial assets, at fair value		237,822,000		1,071,891,000
Notional amount	[1]	25,632,603,000		75,676,000
Swap contract [member] | Liabilities [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(14,967,418,000)		(9,326,465,000)
Financial assets, at fair value		(8,538,705,000)		(18,327,611,000)		(148,834,464,000)
Notional amount	[1]	419,624,571,000		120,173,455,000		279,803,610,000
Swap contract [member] | Liabilities [Member] | CDI (Interbank Deposit Rates) [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(4,171,481,000)		(6,911,748,000)
Financial assets, at fair value		(12,327,484,000)		(13,693,733,000)
Notional amount	[1]	321,402,883,000		33,239,801,000		24,353,405,000
Swap contract [member] | Liabilities [Member] | Fixed Interest Rate - Real [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(6,760,576,000)		(2,183,507,000)
Financial assets, at fair value		2,467,425,000		(2,772,479,000)		(24,079,732,000)
Notional amount	[1]	48,874,762,000		45,088,689,000		67,937,624,000
Swap contract [member] | Liabilities [Member] | Indexed to Price and Interest Rates [Member]
IfrsStatementLineItems [Line Items]
Financial assets, at fair value		(728,677,000)		(450,958,000)		(123,445,067,000)
Notional amount	[1]	22,827,336,000		33,026,692,000		125,829,755,000
Swap contract [member] | Liabilities [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(28,407,000)		(25,000)
Financial assets, at fair value		2,287,852,000		153,695,000
Notional amount	[1]	887,129,000		6,636,885,000		60,394,529,000
Swap contract [member] | Liabilities [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	4,006,955,000		231,186,000
Financial assets, at fair value		(237,822,000)		(1,564,135,000)		(1,309,665,000)
Notional amount	[1]	25,632,461,000		2,181,388,000		1,288,297,000
Option contract [member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	595,345,000		282,110,000
Financial assets, at fair value		(885,703,000)		47,624,000		(1,222,465,000)
Notional amount	[1]	1,130,172,099,000		2,043,286,085,000		1,446,536,133,000
Option contract [member] | Purchased Position [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	1,240,879,000		1,869,806,000
Financial assets, at fair value		1,385,889,000		4,974,618,000		381,706,000	[1]
Notional amount		564,829,758,000	[1]	1,006,266,897,000	[1]	678,089,904,000
Option contract [member] | Purchased Position [Member] | Call Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	271,464,000		47,898,000
Financial assets, at fair value		382,237,000		39,202,000		(281,000)	[1]
Notional amount		9,898,179,000	[1]	1,188,387,000	[1]	171,871,000
Option contract [member] | Purchased Position [Member] | Put Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	140,280,000		79,019,000
Financial assets, at fair value		187,123,000		109,075,000		4,355,000	[1]
Notional amount		4,094,316,000	[1]	1,948,673,000	[1]	1,456,975,000
Option contract [member] | Purchased Position [Member] | Call Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	459,995,000		558,794,000
Financial assets, at fair value		510,976,000		1,093,583,000		818,664,000	[1]
Notional amount		31,248,540,000	[1]	134,761,947,000	[1]	98,154,363,000
Option contract [member] | Purchased Position [Member] | Call Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	444,446,000		557,167,000
Financial assets, at fair value		495,214,000		556,039,000		819,262,000	[1]
Notional amount		28,499,055,000	[1]	101,421,659,000	[1]	98,154,363,000
Option contract [member] | Purchased Position [Member] | Call Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1],[2]	15,549,000		1,627,000
Financial assets, at fair value	[2]			537,544,000		(598,000)	[1]
Notional amount	[1],[2]	2,749,485,000		33,340,288,000
Option contract [member] | Purchased Position [Member] | Put Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	369,140,000		1,184,095,000
Financial assets, at fair value		305,553,000		3,732,758,000		(441,032,000)
Notional amount	[1]	519,588,723,000		868,367,889,000		578,306,695,000
Option contract [member] | Purchased Position [Member] | Put Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	369,140,000		1,183,630,000
Financial assets, at fair value		305,553,000		3,729,297,000		(440,959,000)	[1]
Notional amount		519,588,723,000	[1]	864,852,555,000	[1]	578,306,695,000
Option contract [member] | Purchased Position [Member] | Put Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1],[2]			464,000
Financial assets, at fair value	[2]			3,461,000		(73,000)	[1]
Notional amount	[1],[2]			3,515,334,000
Option contract [member] | Sold Position [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(1,836,224,000)		(2,151,915,000)
Financial assets, at fair value		(2,256,244,000)	[2]	(4,926,994,000)	[2]	(1,604,171,000)	[1]
Notional amount		565,342,341,000	[1]	1,037,019,188,000	[1]	768,446,229,000	[2]
Option contract [member] | Sold Position [Member] | Call Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(170,553,000)		(70,201,000)
Financial assets, at fair value		(152,348,000)	[2]	699,243,000	[2]	(1,472,000)	[1]
Notional amount		4,111,016,000	[1]	1,537,670,000	[1]	254,945,000	[2]
Option contract [member] | Sold Position [Member] | Put Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(348,715,000)		(137,061,000)
Financial assets, at fair value		(287,825,000)	[2]	(192,335,000)	[2]	(2,842,000)	[1]
Notional amount		4,017,161,000	[1]	2,315,919,000	[1]	263,994,000	[2]
Option contract [member] | Sold Position [Member] | Call Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(719,460,000)		(588,023,000)
Financial assets, at fair value		(872,335,000)	[2]	(453,919,000)	[2]	(440,731,000)	[1]
Notional amount		33,383,234,000	[1]	130,919,394,000	[1]	174,166,802,000	[2]
Option contract [member] | Sold Position [Member] | Call Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(713,773,000)		(566,813,000)
Financial assets, at fair value		(858,586,000)	[2]	(464,405,000)	[2]	(440,959,000)	[1]
Notional amount		31,730,928,000	[1]	120,156,285,000	[1]	174,166,802,000	[2]
Option contract [member] | Sold Position [Member] | Call Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1],[2]	(5,687,000)		(21,210,000)
Financial assets, at fair value		(13,749,000)	[2]	10,486,000	[2]	228,000	[1]
Notional amount	[2]	1,652,305,000	[1]	10,763,109,000	[1]
Option contract [member] | Sold Position [Member] | Put Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]	(597,497,000)		(1,356,630,000)
Financial assets, at fair value		(943,736,000)	[2]	(4,979,984,000)	[2]	(1,159,126,000)	[1]
Notional amount		523,830,930,000	[1]	902,246,206,000	[1]	593,760,488,000	[2]
Option contract [member] | Sold Position [Member] | Put Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1],[2]	(597,497,000)		(1,350,314,000)
Financial assets, at fair value		(943,736,000)	[2]	(4,597,427,000)	[2]	(1,159,038,000)	[1]
Notional amount		523,830,930,000	[1],[2]	869,328,317,000	[1]	593,760,488,000	[2]
Option contract [member] | Sold Position [Member] | Put Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1],[2]			(6,316,000)
Financial assets, at fair value			[2]	(382,557,000)	[2]	(88,000)	[1]
Notional amount	[2]		[1]	32,917,888,000	[1]
Futures contract [member]
IfrsStatementLineItems [Line Items]
Curve value	[1]
Financial assets, at fair value							[1]
Notional amount		287,984,278,000	[1]	270,258,566,000	[1]	433,873,180,000
Futures contract [member] | Purchased Position [Member]
IfrsStatementLineItems [Line Items]
Financial assets, at fair value
Notional amount	[1]	148,237,279,000		110,275,866,000		72,912,029,000
Futures contract [member] | Purchased Position [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]
Financial assets, at fair value							[1]
Notional amount		33,797,350,000	[1]		[1]	9,978,419,000
Futures contract [member] | Purchased Position [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Notional amount						108,140,000
Futures contract [member] | Purchased Position [Member] | Exchange Coupon (DDI) [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]
Financial assets, at fair value							[1]
Notional amount		85,931,389,000	[1]	12,438,695,000	[1]	7,394,951,000
Futures contract [member] | Purchased Position [Member] | Interest Rates (DI1 and DIA) [Member]
IfrsStatementLineItems [Line Items]
Curve value	[1]
Financial assets, at fair value	[1]
Notional amount		28,491,764,000	[1]	97,837,171,000	[1]	55,430,519,000
Futures contract [member] | Purchased Position [Member] | Indexes [Member]
IfrsStatementLineItems [Line Items]
Notional amount	[1]	16,776,000
Futures contract [member] | Sold Position [Member]
IfrsStatementLineItems [Line Items]
Notional amount		139,746,999,000	[1]	159,982,699,000	[1]	360,961,151,000
Futures contract [member] | Sold Position [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Notional amount	[1]	25,678,296,000		18,653,658,000		17,305,604,000
Futures contract [member] | Sold Position [Member] | Indexes [Member]
IfrsStatementLineItems [Line Items]
Notional amount	[1],[3]	194,879,000		256,261,000		290,254,000
Futures contract [member] | Sold Position [Member] | Foreign Exchange Coupon [Member]
IfrsStatementLineItems [Line Items]
Notional amount	[1]	60,606,204,000		73,114,014,000		146,032,485,000
Futures contract [member] | Sold Position [Member] | Interest Rates [Member]
IfrsStatementLineItems [Line Items]
Notional amount	[1]	53,267,620,000		67,958,767,000		196,170,105,000
Futures contract [member] | Sold Position [Member] | Treasury Bonds/Notes [Member]
IfrsStatementLineItems [Line Items]
Notional amount						1,162,703,000
Futures contract [member] | Purchased Commitment [Member]
IfrsStatementLineItems [Line Items]
Curve value		5,345,415,000		1,370,654,000
Financial assets, at fair value		12,112,679,000		6,543,254,000		3,120,284,000	[1]
Notional amount		93,097,212,000	[1]	96,309,648,000	[1]	79,970,842,000
Futures contract [member] | Purchased Commitment [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value		2,606,930,000
Financial assets, at fair value		3,610,745,000		1,516,688,000		325,954,000	[1]
Notional amount		9,345,027,000	[1]	9,055,447,000	[1]	1,625,917,000
Futures contract [member] | Purchased Commitment [Member] | Currencies [Member]
IfrsStatementLineItems [Line Items]
Curve value		2,738,485,000		1,370,654,000
Financial assets, at fair value		8,501,934,000		5,026,566,000		2,794,330,000	[1]
Notional amount		83,752,185,000	[1]	87,254,202,000	[1]	78,344,925,000
Futures contract [member] | Sold Commitment [Member]
IfrsStatementLineItems [Line Items]
Curve value		(2,508,572,000)		1,323,105,000
Financial assets, at fair value		(13,824,032,000)		(6,102,227,000)		(2,647,017,000)	[1]
Notional amount		74,514,101,000	[1]	69,354,158,000	[1]	89,430,475,000
Futures contract [member] | Sold Commitment [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value		(1,366,746,000)		(223,000)
Financial assets, at fair value		(1,892,023,000)		(1,255,298,000)		(371,790,000)	[1]
Notional amount		2,902,602,000	[1]	4,367,401,000	[1]	1,628,611,000
Futures contract [member] | Sold Commitment [Member] | Currencies [Member]
IfrsStatementLineItems [Line Items]
Curve value		(1,141,826,000)		1,323,328,000
Financial assets, at fair value		(11,932,009,000)		(4,846,929,000)		(2,275,227,000)	[1]
Notional amount		71,611,500,000	[1]	64,986,757,000	[1]	87,801,864,000
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Curve value		2,836,843,000		2,693,759,000
Financial assets, at fair value		(1,711,352,000)		441,028,000		483,267,000	[1]
Notional amount		R$ 167611313000	[1]	163,040,700,000		R$ 169401317000
Forward Contracts And Others Member 1 [Member]
IfrsStatementLineItems [Line Items]
Notional amount	[1]			R$ 165663806000
[1]	Nominal value of updated contracts.
[2]	Includes options of index, mainly being options involving US treasury, shares and stock indexes.
[3]	Includes Bovespa and S&P index.

Derivatives Financial Instrumen

Derivatives Financial Instruments by Counterparty (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		R$ 841676369
Swap contract [member] | Assets [Member]
IfrsStatementLineItems [Line Items]
Notional	[1]	418,137,448		R$ 278752387		R$ 282164189
Swap contract [member] | Assets [Member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		152,650,125		40,241,232
Swap contract [member] | Assets [Member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional		233,667,783		97,784,443
Swap contract [member] | Assets [Member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional		31,819,540	[2]	140,726,712	[3]
Option contract [member]
IfrsStatementLineItems [Line Items]
Notional	[1]	1,130,172,099		2,043,286,085		1,446,536,133
Option contract [member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		1,127,446,708		23,788,051
Option contract [member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional		1,641,361		922,740
Option contract [member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional		1,084,030	[2]	2,018,575,293	[3]
Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional		287,984,278	[1]	270,258,566	[1]	433,873,180
Futures contract [member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		287,984,278		270,258,566
Futures contract [member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional
Futures contract [member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional			[2]	267,060,326	[3]
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional		167,611,313	[1]	163,040,700		R$ 169401317
Forward Contracts and Others [Member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		70,457,399		67,837,797
Forward Contracts and Others [Member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional		96,857,222		49,447,532
Forward Contracts and Others [Member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional		R$ 296692	[2]	R$ 45755371	[3]
[1]	Nominal value of updated contracts.
[2]	Includes trades with B3 S.A. and other securities and commodities exchanges.
[3]	Includes trades with B3 S.A. and other securities and commodities exchanges.

Derivatives Financial Instrum_2

Derivatives Financial Instruments by Maturity (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional amount		R$ 841676369
Swap contract [member] | Assets [Member]
IfrsStatementLineItems [Line Items]
Notional amount	[1]	418,137,448		R$ 278752387		R$ 282164189
Swap contract [member] | Assets [Member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		30,501,795		58,388,872
Swap contract [member] | Assets [Member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		99,817,727		98,073,784
Swap contract [member] | Assets [Member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		287,817,926		122,289,731
Option contract [member]
IfrsStatementLineItems [Line Items]
Notional amount	[1]	1,130,172,099		2,043,286,085		1,446,536,133
Option contract [member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		749,406,698		931,156,902
Option contract [member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		128,500,299		572,661,800
Option contract [member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		252,265,102		539,467,382
Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional amount		287,984,278	[1]	270,258,566	[1]	433,873,180
Futures contract [member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		167,320,563		181,521,486
Futures contract [member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		45,239,639		36,328,390
Futures contract [member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		75,424,076		52,408,689
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional amount		167,611,313	[1]	163,040,700		R$ 169401317
Forward Contracts and Others [Member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		72,761,669		104,098,351
Forward Contracts and Others [Member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		67,060,436		33,788,798
Forward Contracts and Others [Member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		R$ 27789208		R$ 25153551
[1]	Nominal value of updated contracts.

Derivatives by Market Trading (

Derivatives by Market Trading (Details) - BRL (R$)		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		R$ 841676369000
Swap contract [member] | Assets [Member]
IfrsStatementLineItems [Line Items]
Notional	[1]	418,137,448,000		R$ 278752387000		R$ 282164189000
Swap contract [member] | Assets [Member] | Stock Exchange [Member]
IfrsStatementLineItems [Line Items]
Notional		111,418,682,000	[2]	82,122,957,000	[3]
Swap contract [member] | Assets [Member] | Over the Counter [Member]
IfrsStatementLineItems [Line Items]
Notional		306,718,767,000		196,629,429,000
Option contract [member]
IfrsStatementLineItems [Line Items]
Notional	[1]	1,130,172,099,000		2,043,286,085,000		1,446,536,133,000
Option contract [member] | Stock Exchange [Member]
IfrsStatementLineItems [Line Items]
Notional		1,094,484,434,000	[2]	1,940,172,322,000	[3]
Option contract [member] | Over the Counter [Member]
IfrsStatementLineItems [Line Items]
Notional		35,687,665,000		103,113,762,000
Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional		287,984,278,000	[1]	270,258,566,000	[1]	433,873,180,000
Futures contract [member] | Stock Exchange [Member]
IfrsStatementLineItems [Line Items]
Notional		287,984,278	[2]	270,258,566,000	[3]
Futures contract [member] | Over the Counter [Member]
IfrsStatementLineItems [Line Items]
Notional
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional		167,611,313,000	[1]	163,040,700,000		R$ 169401317000
Forward Contracts and Others [Member] | Stock Exchange [Member]
IfrsStatementLineItems [Line Items]
Notional		7,108,898,000	[2]	25,182,494,000	[3]
Forward Contracts and Others [Member] | Over the Counter [Member]
IfrsStatementLineItems [Line Items]
Notional		R$ 160502415000		R$ 137858206000
[1]	Nominal value of updated contracts.
[2]	Includes trades with B3 S.A.
[3]	Includes trades with B3 S.A.

Composition of the Credit Deriv

Composition of the Credit Derivatives portfolio shown by its reference value and effect in the calculation of Required Stockholders' Equity (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Nominal Value Retained Risk Total Rate Of Return Swap [Member]
IfrsStatementLineItems [Line Items]
Credit Swaps	R$ 3984392	R$ 3483628	R$ 2435880
Credit Derivatives Portfolio Stockholders Equity Credit Total	3,984,392	3,483,628	2,435,880
Nominal Value Transferred Risk Credit Swap [Member]
IfrsStatementLineItems [Line Items]
Credit Swaps		519,670
Credit Derivatives Portfolio Stockholders Equity Credit Total		R$ 519670

During the period, there was no

During the period, there was no occurrence of credit event related to triggering events provided for in the contracts. (Details) - Maximum Potential For Future Payments Gross [Member] - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
CDS	R$ 3984392	R$ 4003298	R$ 2435880
Total	3,984,392	4,003,298	2,435,880
Below Investment Grade	3,984,392	4,003,298
Total	3,984,392	4,003,298
Brazilian Government	3,984,392	4,003,298	2,435,880
Total	3,984,392	4,003,298	2,435,880
Nominal Value Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
CDS	3,984,392	4,003,298	2,435,880
Total	3,984,392	4,003,298	2,435,880
Below Investment Grade	3,984,392	4,003,298	2,435,880
Total	3,984,392	4,003,298	2,435,880
Brazilian Government	3,984,392	4,003,298	2,435,880
Total	R$ 3984392	R$ 4003298	R$ 2435880

Attributable to the type of ris

Attributable to the type of risk being hedged (Details) - Fair Value Hedge Hedge Structure [Member] - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Hedge Structure Effective Portion Accumulated [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LTN, NTN-F)	R$ 3756394	R$ 2183841	R$ 2853807
LEA Government Bonds	0		(61,761)
Resolution 2,770	0		(94)
Trade Finance Off	728	(5,092)	(4,015)
Fair Value Hedge Total	3,757,122	(2,188,933)	(2,919,677)
Hedge Structure Portion Ineffective [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LTN, NTN-F)	0	0	0
LEA Government Bonds	0	0	0
Resolution 2,770	0	0	0
Trade Finance Off	0	0	0
Fair Value Hedge Total	R$ 0	R$ 0	R$ 0

Hedge Instruments (Details)

Hedge Instruments (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Hedge Instruments [Member]
IfrsStatementLineItems [Line Items]
Curve Value	R$ 2850589
Adjustment to Market Value	(14,439)
Accounting Value	2,836,150
Hedge Instruments [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Curve Value	84,767		R$ 3249741
Adjustment to Market Value	(2,204)		101,264
Accounting Value	82,563		3,351,004
Hedge Instruments [Member] | Swap contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	84,767		2,131,532
Adjustment to Market Value	(2,204)		72,271
Accounting Value	82,563		2,203,802
Hedge Instruments [Member] | Swap contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value			1,118,210
Adjustment to Market Value			28,993
Accounting Value			1,147,202
Hedge Instruments [Member] | Futures contract [member]
IfrsStatementLineItems [Line Items]
Curve Value	41,437,967	R$ 46649331	789,631
Adjustment to Market Value	(7,913)
Accounting Value	41,430,054	46,649,331	789,631
Hedge Instruments [Member] | Futures contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	38,587,378	46,649,331	789,631
Adjustment to Market Value	6,527
Accounting Value	38,593,904	46,649,331	789,631
Hedge Instruments [Member] | Futures contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	28,542,862
Hedge Objects [Member]
IfrsStatementLineItems [Line Items]
Curve Value	2,738,830
Adjustment to Market Value	15,685
Accounting Value	2,754,515
Hedge Objects [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Curve Value	84,937		3,555,326
Adjustment to Market Value	3,175		662,773
Accounting Value	88,112		4,218,099
Hedge Objects [Member] | Swap contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	84,937		2,131,517
Adjustment to Market Value	3,175		599,542
Accounting Value	88,112		2,731,059
Hedge Objects [Member] | Swap contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value			1,423,809
Adjustment to Market Value			63,231
Accounting Value			1,487,040
Hedge Objects [Member] | Futures contract [member]
IfrsStatementLineItems [Line Items]
Curve Value	46,351,128	42,529,036	45,427,125
Adjustment to Market Value	(2,031,108)	2,802,690	3,000,490
Accounting Value	44,320,021	45,331,727	48,427,614
Hedge Objects [Member] | Futures contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	43,612,299	42,529,036	45,427,125
Adjustment to Market Value	(2,046,793)	2,802,690	3,000,490
Accounting Value	41,565,506	R$ 45331727	R$ 48427614
Hedge Objects [Member] | Futures contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	R$ 28659545

Hedge Structure - Cash Flow (De

Hedge Structure - Cash Flow (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Effective Portion Accumulated [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LFT)	R$ 982648	R$ 727437	R$ 503665
Bancary Deposit Receipt - CDB	402,779
Cash Flow Hedge Total	(816,500)	800,190	637,443
Portion Ineffective [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LFT)
Bancary Deposit Receipt - CDB
Cash Flow Hedge Total
Hedge Structure Effective Portion Accumulated [Member] | Fair Value Hedge Hedge Structure [Member]
IfrsStatementLineItems [Line Items]
Fair value edge eurobonds	0	14,666	(6,074)
Fair value edge trade finance off	236,630	58,088	139,852
Hedge Structure Portion Ineffective [Member] | Fair Value Hedge Hedge Structure [Member]
IfrsStatementLineItems [Line Items]
Fair value edge eurobonds	0	0	0
Fair value edge trade finance off	R$ 0	R$ 0	R$ 0

Hedge Instruments _ Hedge Objec

Hedge Instruments / Hedge Object (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Futures contract [member]
IfrsStatementLineItems [Line Items]
[custom:CurveValue1-0]	[1]
Swap contract [member]
IfrsStatementLineItems [Line Items]
[custom:CurveValue1-0]	[1]	(1,804,744)	(3,076,947)
Hedge Instruments [Member]
IfrsStatementLineItems [Line Items]
Curve Value		2,850,589
Hedge Instruments [Member] | Futures contract [member]
IfrsStatementLineItems [Line Items]
[custom:CurveValue1-0]		110,932,644
Accounting Value - liability		(616,062)	19,500,234	R$ 54460972
CashFlowHedgeAdjustmentToMarketValue		110,316,582	19,500,234
Market Value			23,447,934	54,460,972
Curve Value		41,437,967	46,649,331	789,631
Hedge Instruments [Member] | Futures contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability		(577,845)	19,500,234	50,975,253
CashFlowHedgeAdjustmentToMarketValue		27,965,018	19,500,234
Market Value			23,447,934	50,975,253
Curve Value		28,542,862
Hedge Instruments [Member] | Futures contract [member] | Hedge Of Securities 1 [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability		(26)
CashFlowHedgeAdjustmentToMarketValue		71,320,756
Curve Value		71,320,781
Hedge Instruments [Member] | Futures contract [member] | Funding Hedge [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability		(38,191)
CashFlowHedgeAdjustmentToMarketValue		11,030,809
Curve Value		11,069,000
Hedge Instruments [Member] | Futures contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability				3,485,719
CashFlowHedgeAdjustmentToMarketValue			1,428,053
Market Value			1,302,666	3,485,719
Curve Value		38,587,378	46,649,331	789,631
Hedge Instruments [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability			1,428,053	1,361,658
CashFlowHedgeAdjustmentToMarketValue			1,428,053	35,110
Market Value			1,302,666	1,396,768
Curve Value		84,767		3,249,741
Hedge Instruments [Member] | Swap contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability				435,872
CashFlowHedgeAdjustmentToMarketValue				(3,494)
Market Value				432,378
Curve Value				1,118,210
Hedge Instruments [Member] | Swap contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability			1,428,053	925,786
CashFlowHedgeAdjustmentToMarketValue				38,604
Market Value				964,390
Curve Value		84,767		2,131,532
Hedge Objects [Member]
IfrsStatementLineItems [Line Items]
Curve Value		2,738,830
Hedge Objects [Member] | Futures contract [member]
IfrsStatementLineItems [Line Items]
[custom:CurveValue2-0]		128,673,067
Market Value		(8,912,769)
CashFlowHedgeAccountingValue		119,760,298	23,447,934	7,726,566
Curve Value		46,351,128	42,529,036	45,427,125
Hedge Objects [Member] | Futures contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Market Value		1,508,397
CashFlowHedgeAccountingValue		30,167,942
Curve Value		28,659,545
Hedge Objects [Member] | Futures contract [member] | Hedge Of Securities 1 [Member]
IfrsStatementLineItems [Line Items]
Market Value		(10,543,430)
CashFlowHedgeAccountingValue		79,293,570
Curve Value		89,837,000
Hedge Objects [Member] | Futures contract [member] | Funding Hedge [Member]
IfrsStatementLineItems [Line Items]
Market Value		122,264
CashFlowHedgeAccountingValue		10,298,786
Curve Value		10,176,522
Hedge Objects [Member] | Futures contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue			1,302,666	3,219,688
Curve Value		43,612,299	42,529,036	45,427,125
Hedge Objects [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Curve Value		84,937		3,555,326
Hedge Objects [Member] | Swap contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value				1,423,809
Hedge Objects [Member] | Swap contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue				924,854
Curve Value		R$ 84937		2,131,517
Hedge Object[Member] | Futures contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue			23,447,934	4,506,878
Hedge Object[Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue			R$ 1302666	1,324,685
Hedge Object[Member] | Swap contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue				R$ 399831
[1]	Nominal value of updated contracts.

Composed of government securiti

Composed of government securities (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financial Treasury Bills - LFT	R$ 31305549	R$ 4363666	R$ 5342992
National Treasury Bills - LTN	3,751,223	6,155,276	1,086,556
National Treasury Notes - NTN	7,725,538	2,814,274	660,918
Total	R$ 42782310	R$ 13333215	R$ 7090466

The breakdown, by classificat_3

The breakdown, by classification, of the balances of “Loans and advances to clients” in the consolidated financial statements is as follows: (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Non-trading financial assets mandatorily measured at fair value through profit or loss		R$ 392455	R$ 60808
Loans and receivables
Financial assets measured at amortized cost		464,451,587	393,707,229	326,699,480
Of which:
Loans and receivables at amortized cost		492,962,247	417,761,218	347,256,660
Impairment losses		(28,510,660)	(24,053,989)	(20,557,180)
Loans and advances to customers, net		464,844,042	393,768,037	326,699,480
Loans and advances to customers, gross		493,354,702	417,822,026	347,256,660
Type:
Loans operations	[1]	457,384,432	390,941,415	329,910,319
Lease Portfolio		2,532,048	2,096,240	2,111,842
Repurchase agreements		6,044,808	4,530,041	10,500
Other receivables	[2]	27,393,414	20,254,330	15,223,999
Total		R$ 493354702	R$ 417822026	R$ 347256660
[1]	Includes loans and other loans with credit characteristics.
[2]	Refers substantially to Foreign Exchange Transactions and Other Receivables with credit granting characteristics.

Below, the details, by conditio

Below, the details, by condition and type of credit, debtor sector and interest rate formula, of loans and advances to customers, which reflect the Bank's exposure to credit risk in its main activity, gross of reduction losses to recoverable value (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Commercial, and industrial	R$ 215967128	R$ 191281653	R$ 145387439
Real estate-construction	54,738,606	45,791,869	39,720,713
Installment loans to individuals	220,115,963	178,652,145	160,036,668
Lease financing	2,533,004	2,096,359	2,111,840
Total	R$ 493354702	R$ 417822026	R$ 347256660

Interest rate formula (Details)

Interest rate formula (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fixed interest rate	R$ 337583246	R$ 292884352	R$ 258760620
Floating rate	155,771,456	124,937,674	88,496,040
Total	R$ 493354702	R$ 417822026	R$ 347256660

Debt sector by maturity (Detail

Debt sector by maturity (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 247674251	R$ 191281652	R$ 145387439
Real estate	54,738,607	45,791,870	39,720,713
Installment loans to individuals	188,408,840	178,652,145	160,036,668
Lease financing	2,533,004	2,096,359	2,111,840
Loans and advances to customers, gross	R$ 493354702	R$ 417822026	R$ 347256660
Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	50.20%	45.78%	41.87%
Real estate	11.10%	10.96%	11.44%
Installment loans to individuals	38.19%	42.76%	46.09%
Lease financing	0.51%	0.50%	0.61%
Loans and advances to customers, gross	100.00%	100.00%	100.00%
Less Than 1 Year [Member]
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 165729422	R$ 127569542	R$ 102083249
Real estate	3,985,684	3,419,553	3,633,231
Installment loans to individuals	99,050,959	87,174,594	79,624,744
Lease financing	1,284,868	899,055	855,624
Loans and advances to customers, gross	R$ 270050934	R$ 219062744	R$ 186196848
Less Than 1 Year [Member] | Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	61.37%	58.23%	54.83%
Real estate	1.48%	1.56%	1.95%
Installment loans to individuals	36.68%	39.79%	42.76%
Lease financing	0.48%	0.41%	0.46%
Loans and advances to customers, gross	100.00%	100.00%	100.00%
Between 1 And 5 Years [Member]
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 73723212	R$ 60190422	R$ 39408727
Real estate	10,137,988	8,973,495	8,145,568
Installment loans to individuals	75,832,619	76,667,187	69,034,596
Lease financing	1,238,498	1,182,713	1,252,673
Loans and advances to customers, gross	R$ 160932317	R$ 147013817	R$ 117841564
Between 1 And 5 Years [Member] | Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	45.81%	40.94%	33.44%
Real estate	6.30%	6.10%	6.91%
Installment loans to individuals	47.12%	52.15%	58.58%
Lease financing	0.77%	0.80%	1.06%
Loans and advances to customers, gross	100.00%	100.00%	100.00%
More Than 5 Years [Member]
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 8221617	R$ 3521688	R$ 3895463
Real estate	40,614,935	33,398,822	27,941,913
Installment loans to individuals	13,525,262	14,810,364	11,377,328
Lease financing	9,638	14,591	3,543
Loans and advances to customers, gross	R$ 62371452	R$ 51745465	R$ 43218247
More Than 5 Years [Member] | Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	13.18%	6.81%	9.01%
Real estate	65.12%	64.54%	64.65%
Installment loans to individuals	21.69%	28.62%	26.33%
Lease financing	0.02%	0.03%	0.01%
Loans and advances to customers, gross	100.00%	100.00%	100.00%

Maturity (Details)

Maturity (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Maturity
Less than 1 year	R$ 270050934	R$ 219062744	R$ 186196849
Between 1 and 5 years	160,932,317	147,013,817	117,841,564
More than 5 years	62,371,451	51,745,465	43,218,247
Loans and advances to customers, gross	493,354,702	417,822,026	347,256,660
Internal risk classification
Low	374,505,212	347,315,357	257,133,115
Medium-low	79,216,725	24,277,404	56,549,196
Medium	14,589,977	26,231,871	11,754,806
Medium - high	9,413,110	3,896,457	8,512,386
High	15,629,678	16,100,937	13,307,156
Loans and advances to Customers, gross	R$ 493354702	R$ 417822026	R$ 347256660

Changes in the allowances for t

Changes in the allowances for the impairment losses on the balances of Loans and receivables (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Of which:
Balance at beginning of year	R$ 25640489	R$ 22625750	R$ 22969315
Impairment losses charged to income for the year	16,986,695	18,311,441	14,361,382
Of which:
Commercial and industrial	3,340,309	6,918,671	2,376,910
Real estate-construction	116,031	81,415	94,957
Installment loans to individuals	13,531,815	11,308,689	11,866,475
Lease financing	(1,460)	2,666	23,040
Write-off of impaired balances against recorded impairment allowance	(12,903,808)	(15,296,703)	(14,704,948)
Of which:
Commercial and industrial	(5,153,346)	(4,616,722)	(5,713,369)
Real estate-construction	(166,579)	(232,262)	(108,294)
Installment loans to individuals	(7,575,967)	(10,433,131)	(8,834,391)
Lease financing	(7,916)	(14,588)	(48,893)
Balance at end of year	29,723,376	25,640,488	22,625,750
Of which:
Loans and advances to customers	28,510,659	24,053,989	20,557,180
Loans and amounts due from credit institutions (Note 5)	21,825	9,065	13,543
Provision for Debt Instruments  (Note 6)	1,190,892	1,577,435	2,055,027
Recoveries of loans previously charged off	1,536,336	861,253	991,476
Of which:
Commercial and industrial	462,523	422,023	519,594
Real estate-construction	64,257	55,631	46,639
Installment loans to individuals	1,002,257	370,491	417,477
Lease financing	7,299	R$ 13107	R$ 7767
Stage 1 [Member] | Credit Losses Expected In 12 Months [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	5,837,199
Impairment losses charged to income for the year	3,200,608
Transfers between stages	(553,054)
Movement of the period	3,753,662
Of which:
Commercial and industrial	347,359
Real estate-construction	4,411
Installment loans to individuals	2,851,686
Lease financing	(2,848)
Variation by Stage	(2,060,142)
Write-off of impaired balances against recorded impairment allowance
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Balance at end of year	6,977,664
Of which:
Loans and advances to customers	(6,861,404)
Loans and amounts due from credit institutions (Note 5)	21,825
Provision for Debt Instruments  (Note 6)	94,435
Recoveries of loans previously charged off
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Stage 2 [Member] | Expected Credit Losses Over Useful Life Not Subject To Impairment [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	4,928,606
Impairment losses charged to income for the year	4,883,553
Transfers between stages	31,154
Movement of the period	4,852,399
Of which:
Commercial and industrial	1,779,043
Real estate-construction	(50,798)
Installment loans to individuals	3,155,946
Lease financing	(638)
Variation by Stage	(4,058,304)
Write-off of impaired balances against recorded impairment allowance
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Balance at end of year	5,753,855
Of which:
Loans and advances to customers	(5,703,285)
Loans and amounts due from credit institutions (Note 5)
Provision for Debt Instruments  (Note 6)	50,570
Recoveries of loans previously charged off
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Stage 3 [Member] | Expected Credit Losses During The Useful Life Subject To Impairment [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	14,874,684
Impairment losses charged to income for the year	8,902,534
Transfers between stages	10,221,329
Movement of the period	(1,318,795)
Of which:
Commercial and industrial	1,213,907
Real estate-construction	162,418
Installment loans to individuals	7,524,183
Lease financing	2,026
Variation by Stage	6,118,446
Write-off of impaired balances against recorded impairment allowance	(12,903,807)
Of which:
Commercial and industrial	(5,153,345)
Real estate-construction	(166,579)
Installment loans to individuals	(7,575,967)
Lease financing	(7,916)
Balance at end of year	16,991,855
Of which:
Loans and advances to customers	(15,945,970)
Loans and amounts due from credit institutions (Note 5)
Provision for Debt Instruments  (Note 6)	1,045,887
Recoveries of loans previously charged off	1,536,336
Of which:
Commercial and industrial	462,523
Real estate-construction	64,257
Installment loans to individuals	1,002,257
Lease financing	7,299
Stage Total [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	25,640,489
Impairment losses charged to income for the year	16,986,695
Transfers between stages	9,699,429
Movement of the period	7,287,266
Of which:
Commercial and industrial	3,340,309
Real estate-construction	116,031
Installment loans to individuals	13,531,815
Lease financing	(1,460)
Variation by Stage
Write-off of impaired balances against recorded impairment allowance	(12,903,807)
Of which:
Commercial and industrial	(5,153,345)
Real estate-construction	(166,579)
Installment loans to individuals	(7,575,967)
Lease financing	(7,916)
Balance at end of year	29,723,376
Of which:
Loans and advances to customers	(28,510,659)
Loans and amounts due from credit institutions (Note 5)	21,825
Provision for Debt Instruments  (Note 6)	1,190,892
Recoveries of loans previously charged off	1,536,336
Of which:
Commercial and industrial	462,523
Real estate-construction	64,257
Installment loans to individuals	1,002,257
Lease financing	R$ 7299

Derivative financial instrume_3

Derivative financial instruments and short positions (Details Narrative) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Trading derivative and used as hedge liabilities forward contracts and others one		R$ 2623106	R$ 1624834
Tax effect	R$ 569
[custom:ShortPositionTotal-0]	12,780,599	45,807,946	R$ 23835653
Swap And Future Contract [Member]
IfrsStatementLineItems [Line Items]
Market Value	R$ 193793	R$ 11169

The balances of the provision f

The balances of the provision for losses due to non-recovery by debtor sector (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Commercial and industrial	R$ 8324614	R$ 9757193	R$ 7455243
Real estate - Construction	154,248	193,935	344,782
Installment loans to individuals	21,240,296	15,675,765	14,800,208
Lease financing	4,218	13,594	25,517
Total	R$ 29723376	R$ 25640488	R$ 22625750

Loans and receivables - loans a

Loans and receivables - loans and advances to customers (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Balance at beginning of year	R$ 23176039	R$ 23426076	R$ 22425801
Net additions	18,428,727	14,757,908	16,000,733
Written-off assets	(14,681,454)	(15,007,946)	(15,000,458)
Balance at end of year	R$ 26923312	R$ 23176039	R$ 23426076

Following is a detail of the fi

Following is a detail of the financial assets considered to be impaired classified by age of the oldest past-due amount: (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
With no Past-Due Balances or Less than 3 Months Past Due	R$ 12885506	R$ 12966813	R$ 11729920
With Balances Past Due by
3 to 6 Months	4,717,302	3,049,974	3,961,042
6 to 12 Months	6,866,628	4,798,859	5,721,762
12 to 18 Months	1,253,046	1,243,809	985,476
18 to 24 Months	659,702	607,527	523,441
More than 24 Months	541,129	509,056	504,435
Total	26,923,312	23,176,039	23,426,076
Debt Sector
Commercial and industrial	11,439,692	10,558,213	10,072,655
Real estate - Construction	470,115	456,130	826,863
Installment loans to individuals	14,996,152	12,144,238	12,497,179
Lease financing	17,353	17,458	29,379
Total	R$ 26923312	R$ 23176039	R$ 23426076

Loan past due for less than 90

Loan past due for less than 90 days but not classified as impaired (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Commercial and industrial		R$ 4892277	R$ 5131885	R$ 3517086
Real estate - Construction		3,605,641	3,085,498	5,781,977
Installment loans to individuals		15,150,254	11,660,666	13,489,513
Financial Leasing		10,961	13,292	24,325
Total	[1]	R$ 23659133	R$ 19891340	R$ 22812900
Of Total Loans Past Due For Less Than Days Member [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial		20.68%	25.80%	15.42%
Real estate - Construction		15.24%	15.51%	25.35%
Installment loans to individuals		64.04%	58.62%	59.13%
Financial Leasing		0.05%	0.07%	0.11%
Total	[1]	100.00%	100.00%	100.00%
[1]	Refers exclusively to loans between 1 and 90 days.

Gross investment in lease trans

Gross investment in lease transactions (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Overdue	R$ 3531	R$ 2740	R$ 3233
Due to:
Up to 1 year	1,067,567	952,172	978,748
From 1 to 5 years	1,642,506	1,394,525	1,442,244
Over 5 years	132,459	20,128	4,014
Total	R$ 2846063	R$ 2369565	R$ 2428239

The change in the "Assets held

The change in the "Assets held for sale" is as follows: (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Balance at beginning of year		R$ 1362602	R$ 1580496	R$ 1598367
Loan repayments - repossession of assets		235,904	445,173	735,864
Capital Increase in Companies held for sale	[1]	66,197		55,245
Sales		(599,283)	(663,067)	(808,980)
Final balance, gross		1,065,420	1,362,602	1,580,496
Impairment losses	[2]	R$ 249075	R$ 269693	R$ 255161
Impairment as a percentage of foreclosed assets		23.38%	19.79%	16.14%
Balance at end of year		R$ 816345	R$ 1092909	R$ 1325335
[1]	On September 20, 2019, Santander Holding Imobiliária completed the acquisition of the company Summer Empreendimentos Ltda. (“Summer”), whose main asset is a branch located on Avenida Faria Lima in the city of São Paulo, for the amount of R$45,245. Upon completion of the transaction, a structured plan for the sale of this company to a third party in the short term was formalized. In December 2019, Santander Holding Imobiliária carried out a capital increase in Summer in the amount of R$10,000.
[2]	In 2021, includes the amount of R$182,448 (2020 – R$24,751 and 2019 – R$251,945) of reversal of provisions for devaluations on real estate and R$2,194 (2020 - R$122) of provisions for devaluations on vehicles , based on appraisal reports prepared by a specialized external consultancy, accounted for as a provision for impairment losses.

Jointly controlled and Signific

Jointly controlled and Significant Influence - Participation (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Jointly Controlled By Banco Santander [Member] | Banco Rci Brasil Sa Current Company Name Of Rci Brasil Leasing [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Banco RCI Brasil S.A.
Activity	Bank
Country	Brazil
Participation	39.89%	39.89%	39.89%
Jointly Controlled By Banco Santander [Member] | Norchem Holding Negcios Sa [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Norchem Participações e Consultoria S.A.
Activity	Other Activities
Country	Brazil
Participation	0.00%	0.00%	50.00%
Jointly Controlled By Banco Santander [Member] | Estruturadora Brasileira De Projetos S A [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Estruturadora Brasileira de Projetos S.A. - EBP
Activity	Other Activities
Country	Brazil
Participation	11.11%	11.11%	11.11%
Jointly Controlled By Banco Santander [Member] | Gestora De Inteligencia De Credito [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Gestora de Inteligência de Crédito
Activity	Credit Bureau
Country	Brazil
Participation	19.45%	20.00%	20.00%
Jointly Controlled By Banco Santander [Member] | Campo Grande Empreendimentos [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Campo Grande Empreendimentos
Activity	Other Activities
Country	Brazil
Participation	25.32%	25.32%	25.32%
Jointly Controlled By Banco Santander [Member] | Santander Auto S A [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Santander Auto S.A.
Activity	Other Activities
Country	Brazil
Participation	50.00%	50.00%	50.00%
Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member] | Webmotors S [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Webmotors S.A.
Activity	Other Activities
Country	Brazil
Participation	70.00%	70.00%	70.00%
Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member] | Tecnologia Bancria Sa Tecban [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Tecnologia Bancária S.A. - TECBAN
Activity	Other Activities
Country	Brazil
Participation	18.98%	18.98%	18.98%
Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member] | Hyundai Corretora De Seguros [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Hyundai Corretora de Seguros
Activity	Insurance Broker
Country	Brazil
Participation	50.00%	50.00%	50.00%
Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member] | P S A Corretora De Segurose Servicos Ltda [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	PSA Corretora de Seguros e Serviços Ltda.
Activity	Insurance Broker
Country	Brazil
Participation	50.00%	50.00%	50.00%
Jointly Controlled By Aymore C F I [Member] | Solutions 4 Fleet [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Solutions 4Fleet
Activity	Other Activities
Country	Brazil
Participation	80.00%	0.00%	0.00%
Significant Influence Of Banco Santander [Member] | Norchem Holding Negcios Sa [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Norchem Holding e Negócios S.A.
Activity	Other Activities
Country	Brazil
Participation	0.00%	0.00%	21.75%

Jointly controlled and Signif_2

Jointly controlled and Significant Influence - Investments (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Jointly Controlled by Banco Santander	R$ 628040	R$ 590219	R$ 595230
Banco RCI Brasil S.A.	591,745	544,236	509,890
Norchem Participações e Consultoria S.A.			21,078
Estruturadora Brasileira de Projetos S.A. - EBP	1,257	1,273	3,889
Gestora de Inteligência de Crédito	13,522	28,680	47,744
Campo Grande Empreendimentos	255	255	255
Santander Auto S.A.	21,261	15,775	12,374
Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.)	593,002	504,766	454,280
Webmotors S.A.	359,092	316,597	296,216
Tecnologia Bancária S.A. - TECBAN	232,109	186,357	156,589
Hyundai Corretora de Seguros	1,260	1,044	934
PSA Corretora de Seguros e Serviços Ltda.	541	768	541
Jointly Controlled by Aymoré CFI	11,604
Solutions 4Fleet	11,604
Significant Influence of Banco Santander			21,252
Norchem Holding e Negócios S.A.			21,252
Total	R$ 1232646	R$ 1094985	R$ 1070762

Jointly controlled and Signif_3

Jointly controlled and Significant Influence - Results of Investments (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Jointly Controlled by Banco Santander	R$ 54493	R$ 50915	R$ 92976
Banco RCI Brasil S.A.	62,813	72,057	105,250
Norchem Participações e Consultoria S.A.		333	975
Cibrasec - Companhia Brasileira de Securitização			75
Estruturadora Brasileira de Projetos S.A. - EBP	(16)	9	199
Gestora de Inteligência de Crédito	(14,419)	(19,064)	(11,354)
Santander Auto S.A.	6,115	(2,421)	(2,169)
Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participações S.A.)	91,833	61,380	55,936
Webmotors S.A.	45,817	38,823	42,848
Tecnologia Bancária S.A. - TECBAN	45,752	22,219	12,498
Hyundai Corretora de Seguros	216	110	(66)
PSA Corretora de Seguros e Serviços Ltda.	48	226	656
Jointly Controlled by Aymoré CFI	(2,142)
Solutions 4Fleet	(2,142)
Significant Influence of Banco Santander		(33)	576
Norchem Holding e Negócios S.A.		(33)	576
Total	R$ 144184	R$ 112261	R$ 149488

Jointly controlled and Signif_4

Jointly controlled and Significant Influence - Total (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Jointly Controlled by Banco Santander	R$ 12488103	R$ 12900571	R$ 14121618
Jointly Controlled by Banco Santander	12,473,458	11,255,396	12,502,780
Jointly Controlled by Banco Santander	95,420	51,847	206,482
Banco RCI Brasil S.A.	11,147,493	11,620,304	13,452,716
Banco RCI Brasil S.A.	11,080,238	10,255,995	12,174,504
Banco RCI Brasil S.A.	157,462	99,951	263,851
Estruturadora Brasileira de Projetos S.A. - EBP	11,339	11,562	35,314
Estruturadora Brasileira de Projetos S.A. - EBP	11,476	39	311
Estruturadora Brasileira de Projetos S.A. - EBP	(136)	148	1,790
Gestora de Inteligencia de Credito	1,173,234	1,126,424	527,362
Gestora de Inteligencia de Credito	1,237,937	933,115	288,643
Gestora de Inteligencia de Credito	(74,136)	(45,410)	(56,769)
Santander Auto S.A.	156,037	71,807	36,361
Santander Auto S.A.	143,807	38,466	11,613
Santander Auto S.A.	12,230	(3,376)	(4,339)
Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participacoes SA)	3,055,130	2,952,308	2,873,140
Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participacoes SA)	2,824,094	1,692,770	1,628,364
Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participacoes SA)	231,035	68,469	125,439
Webmotors S.A.	342,195	512,687	484,454
Webmotors S.A.	276,743	78,856	60,734
Webmotors S.A.	65,452	21,529	61,212
Tecnologia Bancaria S.A. - TECBAN	2,707,571	2,435,377	2,382,907
Tecnologia Bancaria S.A. - TECBAN	2,542,515	1,612,822	1,564,801
Tecnologia Bancaria S.A. - TECBAN	165,056	46,735	63,046
Hyundai Corretora de Seguros Ltda.	3,353	2,076	1,909
Hyundai Corretora de Seguros Ltda.	2,921	251	41
Hyundai Corretora de Seguros Ltda.	431	(43)	(132)
PSA Corretora de Seguros e Servicos Ltda.	2,011	2,168	3,870
PSA Corretora de Seguros e Servicos Ltda.	1,915	841	2,788
PSA Corretora de Seguros e Servicos Ltda.	96	247	1,313
Subsidiaries of Aymore CFI	14,871
Subsidiaries of Aymore CFI	17,548
Subsidiaries of Aymore CFI	(2,677)
Solutions 4 Fleet	14,871
Solutions 4 Fleet	17,548
Solutions 4 Fleet	(2,677)
Total	15,558,104	15,979,756	17,121,695
Total	15,315,100	12,977,558	14,160,370
Total	R$ 323778	120,091	334,571
Norchem Participacoes e Consultoria S.A.		70,475	69,865
Norchem Participacoes e Consultoria S.A.		27,781	27,709
Norchem Participacoes e Consultoria S.A.		534	1,949
Significant Influence of Banco Santander		126,877	126,937
Significant Influence of Banco Santander		29,391	29,226
Significant Influence of Banco Santander		(225)	2,650
Norchem Holding e Negocios S.A.		126,877	126,937
Norchem Holding e Negocios S.A.		29,391	29,226
Norchem Holding e Negocios S.A.		R$ 225	R$ 2650

Jointly controlled and Signif_5

Jointly controlled and Significant Influence - Changes in the balance (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Balance at beginning of year	R$ 1094985	R$ 1049510	R$ 1032382
Additions / disposals (net) due to change in the scope of consolidation	(739)	(41,851)	(51,073)
Additions /disposals	13,746	13,571	746
Share of results of entities accounted for using the equity method	144,184	112,293	148,912
Dividends proposed/received	(66,878)	(59,784)	(69,904)
Others	47,348	21,246	(11,553)
Balance at end of year	1,232,646	1,094,985	1,049,510
Significant Influence of Banco Santander
Balance at beginning of year		21,252	20,933
Share of results of entities accounted for using the equity method		(33)	576
Dividends proposed/received		(239)	(257)
Alienation		(20,980)
Balance at end of year			R$ 21252

Principal jointly controlled en

Principal jointly controlled entities (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Principal Jointly Controlled Entities Banco Rci Brasil [Member]
IfrsStatementLineItems [Line Items]
Current assets	R$ 10187883	R$ 11270565	R$ 12052008
Current liabilities	8,754,744	9,825,654	10,781,921
Cash and cash equivalents	341,015	201,142	489,400
Depreciation and amortization	(1,628)	(1,577)	(1,666)
Revenue	637,856	732,253	661,215
Interest income	1,308,649	1,354,283	1,401,154
Interest expense	(592,776)	(483,506)	(547,546)
Tax Income / (expense)	(105,266)	(169,957)	(83,455)
Current financial liabilities (excluding trade and other payables and provisions)	3,293,251	3,279,806	4,178,761
Non-current financial liabilities (excluding trade and other payables and provisions)	5,218,945	5,947,683	470,081
Principal Jointly Controlled Entities Webmotors [Member]
IfrsStatementLineItems [Line Items]
Current assets	342,195	276,170	241,919
Current liabilities	71,742	220,707	61,290
Cash and cash equivalents	2,746	1,411	1,667
Depreciation and amortization	(19,152)	(14,949)	(9,234)
Revenue	331,586	277,270	165,049
Interest income	3,938	2,283	5,079
Interest expense			0
Tax Income / (expense)	(32,819)	(26,314)	(26,863)
Current financial liabilities (excluding trade and other payables and provisions)	58,910	58,910	53,807
Non-current financial liabilities (excluding trade and other payables and provisions)	R$ 796	R$ 796	R$ 1006

Loans and advances to clients_2

Loans and advances to clients (Details Narrative) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Impairment losses on financial assets - Loans and receivables	R$ 17112734	R$ 17450188	R$ 13369905
Loans and advances to clients	40,790	55,284	76,028
Financial Liabilities Associated with Assets Transfer	R$ 40511	R$ 55105	R$ 75500

Tangible assets in the consolid

Tangible assets in the consolidated balance sheets (Details) - BRL (R$)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cost [Member]
IfrsStatementLineItems [Line Items]
Balance at	R$ 20640371000	R$ 21443016000	R$ 16640177000
Initial adoption IFRS 16			2,465,750,000
Additions	1,162,774,000		1,924,783,000
Additions resulting mergers		738,603,000	689,982,000
Cancellation of lease agreements	(254,101,000)	(246,308,000)	(72,951,000)
Write-off	(2,037,954,000)	(2,681,591,000)	(262,246,000)
Transfers	183,046,000	150,728,000	57,521,000
Additions		1,235,923,000
Additions by Company Acquisition		103,449,000
Balance at	19,797,585,000	20,640,371,000	21,443,016,000
Balance at	19,797,585,000	20,640,371,000	21,443,016,000
Cost [Member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	2,816,745,000	2,840,170,000	2,779,038,000
Initial adoption IFRS 16
Additions			85,333,000
Additions resulting mergers
Cancellation of lease agreements
Write-off	(50,181,000)	(23,771,000)	(17,041,000)
Transfers		(8,485,000)	(7,160,000)
Additions		8,831,000
[custom:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment2]	32,959,000
Additions by Company Acquisition
Balance at	2,799,523,000	2,816,745,000	2,840,170,000
Balance at	2,799,523,000	2,816,745,000	2,840,170,000
Cost [Member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	3,783,646,000	5,345,320,000	4,628,325,000
Initial adoption IFRS 16
Additions	435,858,000		826,685,000
Additions resulting mergers
Cancellation of lease agreements
Write-off	(1,584,956,000)	(2,241,220,000)	(122,926,000)
Transfers	651,607,000	120,158,000	13,236,000
Additions		559,388,000
Additions by Company Acquisition
Balance at	3,286,155,000	3,783,646,000	5,345,320,000
Balance at	3,286,155,000	3,783,646,000	5,345,320,000
Cost [Member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	10,463,657,000	10,172,692,000	9,231,131,000
Initial adoption IFRS 16
Additions	693,957,000		1,012,395,000
Additions resulting mergers
Cancellation of lease agreements
Write-off	(402,817,000)	(416,600,000)	(122,279,000)
Transfers	(468,561,000)	39,861,000	51,445,000
Additions		667,704,000
Additions by Company Acquisition
Balance at	10,286,236,000	10,463,657,000	10,172,692,000
Balance at	10,286,236,000	10,463,657,000	10,172,692,000
Cost [Member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at	3,575,076,000	3,082,781,000
Initial adoption IFRS 16			2,465,750,000
Additions
Additions resulting mergers		738,603,000	689,982,000
Cancellation of lease agreements	(254,101,000)	(246,308,000)	(72,951,000)
Write-off
Transfers
Additions
Additions by Company Acquisition	103,449,000
Balance at	3,424,424,000	3,575,076,000	3,082,781,000
Balance at	3,424,424,000	3,575,076,000	3,082,781,000
Cost [Member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	1,247,000	2,053,000
Initial adoption IFRS 16
Additions			370,000
Additions resulting mergers
Cancellation of lease agreements
Write-off
Transfers		(806,000)
Additions
Additions by Company Acquisition
Balance at	1,247,000	1,247,000	2,053,000
Balance at	1,247,000	1,247,000	2,053,000
Gross carrying amount [member]
IfrsStatementLineItems [Line Items]
Balance at	9,537,111,000	9,781,957,000
Balance at	8,783,785,000	9,537,111,000	9,781,957,000
Balance at	8,783,785,000	9,537,111,000	9,781,957,000
Gross carrying amount [member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	1,888,277,000	1,997,033,000
Balance at	1,803,756,000	1,888,277,000	1,997,033,000
Balance at	1,803,756,000	1,888,277,000	1,997,033,000
Gross carrying amount [member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	1,538,102,000	1,307,110,000
Balance at	1,690,184,000	1,538,102,000	1,307,110,000
Balance at	1,690,184,000	1,538,102,000	1,307,110,000
Gross carrying amount [member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	3,671,674,000	3,948,795,000
Balance at	2,982,561,000	3,671,674,000	3,948,795,000
Balance at	2,982,561,000	3,671,674,000	3,948,795,000
Gross carrying amount [member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at	2,451,198,000	2,526,965,000
Balance at	2,319,424,000	2,451,198,000	2,526,965,000
Balance at	2,319,424,000	2,451,198,000	2,526,965,000
Gross carrying amount [member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at			1,683,000
Balance at
Accumulated depreciation [Member]
IfrsStatementLineItems [Line Items]
Balance at	(11,034,575,000)	(11,609,135,000)	(9,986,814,000)
Additions	(1,850,780,000)	(2,039,805,000)	(1,870,836,000)
Write-off	2,000,378,000	2,634,495,000	232,335,000
Transfers	(102,177,000)	(20,130,000)	16,180,000
Additions by Company Acquisition
Balance at	(10,987,154,000)	(11,034,575,000)	(11,609,135,000)
Change in scope of consolidation
Balance at	(10,987,154,000)	(11,034,575,000)	(11,609,135,000)
Accumulated depreciation [Member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	(902,860,000)	(828,691,000)	(760,844,000)
Additions	(108,946,000)	(86,954,000)	(93,455,000)
Write-off	38,337,000	11,020,000	10,517,000
Transfers		1,765,000	15,091,000
Additions by Company Acquisition
Balance at	(973,469,000)	(902,860,000)	(828,691,000)
Change in scope of consolidation
Balance at	(973,469,000)	(902,860,000)	(828,691,000)
Accumulated depreciation [Member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	(2,245,544,000)	(4,038,210,000)	(3,714,712,000)
Additions	(291,174,000)	(537,908,000)	(482,256,000)
Write-off	940,737,000	2,263,857,000	148,486,000
Transfers	10,000	66,717,000	10,272,000
Additions by Company Acquisition
Balance at	(1,595,971,000)	(2,245,544,000)	(4,038,210,000)
Change in scope of consolidation
Balance at	(1,595,971,000)	(2,245,544,000)	(4,038,210,000)
Accumulated depreciation [Member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	(6,762,293,000)	(6,186,418,000)	(5,511,258,000)
Additions	(896,705,000)	(846,881,000)	(730,993,000)
Write-off	448,471,000	359,618,000	65,016,000
Transfers	(102,187,000)	(88,612,000)	(9,183,000)
Additions by Company Acquisition
Balance at	(7,312,714,000)	(6,762,293,000)	(6,186,418,000)
Change in scope of consolidation
Balance at	(7,312,714,000)	(6,762,293,000)	(6,186,418,000)
Accumulated depreciation [Member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at	(1,123,878,000)	(555,816,000)
Additions	(553,955,000)		(564,132,000)
Write-off	572,833,000		8,316,000
Transfers
Additions by Company Acquisition		(568,062,000)
Balance at	(1,105,000,000)	(1,123,878,000)	(555,816,000)
Change in scope of consolidation
Balance at	(1,105,000,000)	(1,123,878,000)	(555,816,000)
Accumulated depreciation [Member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at
Additions
Write-off
Transfers
Additions by Company Acquisition
Balance at
Change in scope of consolidation
Balance at
Accumulated impairment [member]
IfrsStatementLineItems [Line Items]
Balance at	(68,685,000)	(51,925,000)	(64,388,000)
Balance at	(26,646,000)	(68,685,000)	(51,925,000)
Balance at	(26,646,000)	(68,685,000)	(51,925,000)
Impacts on results	42,039,000	(16,760,000)	12,463,000
Accumulated impairment [member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	(25,608,000)	(14,446,000)	(13,859,000)
Balance at	(22,298,000)	(25,608,000)	(14,446,000)
Balance at	(22,298,000)	(25,608,000)	(14,446,000)
Impacts on results	3,310,000	(11,162,000)	(587,000)
Accumulated impairment [member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at
Balance at
Balance at
Impacts on results
Accumulated impairment [member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	(29,690,000)	(37,479,000)	(50,529,000)
Balance at	9,039,000	(29,690,000)	(37,479,000)
Balance at	9,039,000	(29,690,000)	(37,479,000)
Impacts on results	38,729,000	7,789,000	13,050,000
Accumulated impairment [member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at
Balance at
Balance at
Impacts on results
Accumulated impairment [member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	(13,387,000)
Balance at	(13,387,000)	(13,387,000)
Balance at	(13,387,000)	(13,387,000)
Impacts on results		R$ 13387000

Property, plant and equipment_2

Property, plant and equipment (Details Narrative) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property Plant And Equipment
Contractual commitments for acquisition of intangible assets	R$ 58413	R$ 0	R$ 0

Breakdown (Details)

Breakdown (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Banco ABN Amro Real S.A. (Banco Real)	R$ 27217565	R$ 27215749	R$ 27217565
Toro Corretora de Títulos e Valores Mobiliários Ltda.	305,937
Liderança Serviços Especializados em Cobranças Ltda.	237,663
Olé Consignado (current denomination of Banco Bonsucesso Consignado)	62,800	62,800	62,800
Solutions 4Fleet Consultoria Empresarial S.A.	32,613
Return Capital Serviços de Recuperação de Créditos S.A. (current denomination of Ipanema Empreendimentos e Participações S.A.)	24,346	24,346	24,346
Santander Brasil Tecnologia S.A.	16,381	16,381	16,382
Paytec Tecnologia em Pagamentos Ltda.	11,336
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.	5,271
Banco PSA Finance Brasil S.A.	1,557	1,557	1,557
Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet)		1,039,304	1,039,304
Super Pagamentos e Administração de Meios Eletrônicos Ltda. (Super)			R$ 13050

Main assumptions (Details)

Main assumptions (Details)		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Basis of determining recoverable amounts		Value in use: cash flows	Value in use: cash flows	Value in use: cash flows
Period of the projections of cash flows	[1]	5 years	5 years	5 years
Growth rate perpetual	[1]	4.80%	4.30%	4.80%
Discount rate	[2]	12.30%	12.40%	12.50%
[1]	The projections of cash flow are prepared using Management´s growth plans and internal budget, based on historical data, market expectations and conditions such as industry growth, interest rate and inflation.
[2]	The discount rate is calculated based on the capital asset pricing model (CAPM). The discount rate before tax is 18.77% (2020 – 19.56% and 2019 – 17.88%).

Changes of goodwill (Details)

Changes of goodwill (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Balance at beginning of the year	R$ 28360137	R$ 28375004	R$ 28378288
Additions (loss):
Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet)	(1,039,304)
Toro Corretora de Títulos e Valores Mobiliários Ltda.	305,937
Liderança Serviços Especializados em Cobranças Ltda.	237,663
Solution 4Fleet Consultoria Empresarial S.A.	32,613
Paytec Tecnologia em Pagamentos Ltda.	11,336
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.	5,271
Others	1,816	(14,867)	(3,284)
Balance at end of the year	R$ 27915469	R$ 28360137	R$ 28375004

The details, by asset category,

The details, by asset category, of the other intangible assets in the consolidated balance sheets are as follows: (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		R$ 2406361	R$ 2220784
Balance on December 31, 2021		2,871,319	2,406,361	R$ 2220784
Balance at		2,871,319	2,406,361	2,220,784
Cost [Member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		6,716,037	5,923,523	7,321,344
Additions		1,500,562	1,063,422	1,306,443
Write-off		(636,804)	(248,429)	(2,675,025)
Transfers		(124,157)	(22,479)	(29,239)
Balance on December 31, 2021		7,455,638	6,716,037	5,923,523
Balance at		7,455,638	6,716,037	5,923,523
Cost [Member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		6,353,841	5,629,798	6,910,273
Additions		1,429,459	990,184	1,290,686
Write-off		(633,534)	(240,626)	(2,544,403)
Transfers		(124,157)	(25,515)	(26,758)
Balance on December 31, 2021		7,025,609	6,353,841	5,629,798
Balance at		7,025,609	6,353,841	5,629,798
Cost [Member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		362,196	293,725	411,071
Additions		71,103	73,238	15,757
Write-off		(3,270)	(7,803)	(130,622)
Transfers			3,036	(2,481)
Balance on December 31, 2021		430,029	362,196	293,725
Balance at		430,029	362,196	293,725
Accumulated Amortization [Member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		(4,239,742)	(3,700,420)	(5,344,643)
Additions		(583,141)	(539,322)	(521,021)
Write-off		338,658		2,406,927
Transfers				(241,683)
Balance on December 31, 2021		(4,484,225)	(4,239,742)	(3,700,420)
Balance at		(4,484,225)	(4,239,742)	(3,700,420)
Accumulated Amortization [Member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		(3,982,788)	(3,448,788)	(5,032,693)
Additions		(569,370)	(534,000)	(501,682)
Write-off		343,216		2,326,982
Transfers				(241,395)
Balance on December 31, 2021		(4,208,942)	(3,982,788)	(3,448,788)
Balance at		(4,208,942)	(3,982,788)	(3,448,788)
Accumulated Amortization [Member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		(256,954)	(251,632)	(311,950)
Additions		(13,771)	(5,322)	(19,339)
Write-off		(4,558)		79,945
Transfers				(288)
Balance on December 31, 2021		(275,283)	(256,954)	(251,632)
Balance at		(275,283)	(256,954)	(251,632)
Losses from non-recovery (Impairment) - IT [Member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		(69,934)	(2,319)	(336,001)
Write-off				223,216
Transfers			(1,346)
Balance on December 31, 2021		(100,094)	(69,934)	(2,319)
Impact on net profit	[1]			110,466
Balance at		(100,094)	(69,934)	(2,319)
Losses from non-recovery (Impairment) - IT [Member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		(69,934)	(2,319)	(320,710)
Write-off				207,925
Transfers			(1,346)
Balance on December 31, 2021		(93,000)	(69,934)	(2,319)
Impact on net profit	[1]	(23,066)	(66,269)	110,466
Balance at		(93,000)	(69,934)	(2,319)
Losses from non-recovery (Impairment) - IT [Member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020				(15,291)
Write-off				15,291
Transfers
Balance on December 31, 2021		(7,094)
Impact on net profit	[1]	(7,094)
Balance at		(7,094)
Gross carrying amount [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		2,406,361	2,220,784
Balance on December 31, 2021		2,871,319	2,406,361	2,220,784
Balance at		2,871,319	2,406,361	2,220,784
Gross carrying amount [member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		2,301,119	2,178,691
Balance on December 31, 2021		2,723,667	2,301,119	2,178,691
Balance at		2,723,667	2,301,119	2,178,691
Gross carrying amount [member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020		105,242	42,093
Balance on December 31, 2021		147,652	105,242	42,093
Balance at		R$ 147652	R$ 105242	R$ 42093
[1]	Refers to the impairment of assets in the acquisition and development of software. The loss in the acquisition and development of

The breakdown of the balance of

The breakdown of the balance of “Other assets” is as follows (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Customer relationships		R$ 922860	R$ 1873048	R$ 1926536
Prepayments and accrued income		797,365	1,007,792	1,059,223
Contractual guarantees of former controlling stockholders (Note 22.c.5)		496	496	103,272
Actuarial asset (Note 21)		287,808	361,149	346,422
Other receivables	[1]	4,040,499	3,979,926	1,625,884
Total		R$ 6049028	R$ 7222411	R$ 5061337
[1]	Corresponds mainly to receivables from third parties.

Classification, type and curren

Classification, type and currency, of the balances (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Financial liabilities at amortized cost		R$ 121005909	R$ 131656962	R$ 99271415
Total		121,005,909	131,656,962	99,271,415
Type:
Deposits on demand	[1]	126,203	296,340	685,026
Time deposits	[2]	75,754,363	76,489,490	56,602,470
Repurchase agreements		45,125,343	54,871,132	41,983,919
Of which:
Backed operations with Private Securities	[3]	13,478,131	13,843,463	9,506,255
Backed operations with Government Securities		31,647,212	41,027,669	32,477,663
Total		R$ 121005909	R$ 131656962	R$ 99271415
[1]	Non-interest bearing accounts.
[2]	Includes operations with credit institutions resulting from export and import financing lines, transfers from the country (BNDES and Finame) and abroad, and other credit lines abroad.
[3]	Refers primarily to repurchase agreements backed by own-issued debentures.

Deposits from the Brazilian C_3

Deposits from the Brazilian Central Bank and Deposits from credit institutions - by currency (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Reais	R$ 62322887	R$ 77743482	R$ 58282793
Euro	9,309	13,156	39,522
US dollar	58,673,713	53,900,324	40,949,100
Total	R$ 121005909	R$ 131656962	R$ 99271415

Balance of Customer deposits (D

Balance of Customer deposits (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Client Deposits
Financial liabilities at amortized cost		R$ 468961069	R$ 445813972	R$ 336514597
Total		468,961,069	445,813,972	336,514,597
Demand deposits
Current accounts	[1]	41,742,247	35,550,105	28,231,479
Savings accounts		65,248,913	62,210,443	49,039,857
Time deposits		280,955,456	269,929,085	200,739,544
Repurchase agreements		81,014,453	78,124,340	58,503,717
Of which:
Backed operations with Private Securities	[2]	20,103,099	14,944,250	9,506,255
Backed operations with Government Securities		60,911,354	63,180,090	48,997,462
Total		R$ 468961069	R$ 445813972	R$ 336514597
[1]	Non-interest bearing accounts.
[2]	Refers primarily to repurchase agreements backed by own-issued debentures.

The breakdown, by classificat_4

The breakdown, by classification and type, of the balance of “Marketable debt securities” is as follows: (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Classification:
Financial liabilities at amortized cost		R$ 79036792	R$ 56875514	R$ 73702474
Total		79,036,792	56,875,514	73,702,474
Type:
Real estate credit notes - LCI	[1]	21,459,182	18,846,138	21,266,079
Eurobonds		12,952,068	9,399,277	8,715,382
Treasury Bills	[2]	25,074,264	12,749,911	27,587,340
Agribusiness credit notes - LCA		16,989,434	14,746,831	14,776,877
Guaranteed Real Estate Credit Notes	[3]	2,561,845	1,133,356	1,356,796
Total		R$ 79036792	R$ 56875514	R$ 73702474
[1]	Real estate credit bills are fixed-income securities backed by real estate credits and guaranteed by mortgage or fiduciary sale of real estate. On December 31, 2021, they mature between 2022 and 2028 (2020 - with maturity between 2021 to 2027 2019 - with maturity between 2020 to 2026).
[2]	The main characteristics of the financial bills are a minimum term of two years, a minimum face value of R$50 and early redemption permit of only 5% of the issued amount. As of December 31, 2021, they mature between 2022 and 2031 (2020 – with maturity between 2021 to 2025 and 2019 – with maturity between 2020 to 2025).
[3]	Guaranteed Real Estate Bills are fixed-income securities backed by real estate credits guaranteed by the issuer and by a pool of real estate credits separated from the other assets of the issuer. As of December 31, 2021, they have a maturity period between 2022 and 2035 (12/31/20120- with a maturity period between 2021 and 2023).

Indexers (Details)

Indexers (Details)	12 Months Ended
	Dec. 31, 2021
Indexers Domestic [Member]
IfrsStatementLineItems [Line Items]
Treasury Bills	100% to 112% of CDI
Treasury Bills	100% of IGPM
Treasury Bills	100% of IPCA
Treasury Bills	Pre fixed: 3.41% to 16.97%
Treasury Bills	104.75% of SELIC
Real estate credit notes - LCI	86% to 105.8% of CDI
Real estate credit notes - LCI	Pre fixed: 3.03% of 13.29%
Real estate credit notes - LCI	1.5% to 1.7% of IPCA
Real estate credit notes - LCI	100% of TR
Agribusiness credit notes - LCA	70% to 104% of CDI
[custom:AgribusinessCreditNotesLcaSelic]	3.33% to 12.33% da SELIC
Guaranteed Real Estate Credit Notes - LIG	94% to 98% of CDI
[custom:GuaranteedRealEstateCreditNotesLigIpca]	95% TO 108.5 do IPCA
Indexers Abroad [Member]
IfrsStatementLineItems [Line Items]
Eurobonds	0.0% to 9%
Eurobonds	CDI+6.4%

The breakdown, by currency, of

The breakdown, by currency, of the balance of this account is as follows: (Details) R$ in Thousands	12 Months Ended
	Dec. 31, 2021BRL (R$)	Dec. 31, 2020BRL (R$)	Dec. 31, 2019BRL (R$)
Marketable Debt Securities
Real	R$ 66084725	R$ 47490706	R$ 64987092
US dollar	12,952,068	9,384,808	8,715,382
Total	R$ 79036792	R$ 56875514	R$ 73702474
Real	0.015	0.025	0.050
US dollar	0.057	0.052	0.041
Total	0.035	0.039	0.045

The variations in the balance _

The variations in the balance “Obligations for bonds and securities” were as follows (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Marketable Debt Securities
Balance at beginning of the year		R$ 56875514	R$ 73702474	R$ 74626232
Issuances		101,784,961	60,047,656	53,017,039
Payments		(97,220,580)	(82,900,914)	(61,914,716)
Interest (Note 32)		4,536,849	2,785,942	5,138,306
Exchange differences and Others	[1]	13,060,048	3,240,356	2,835,613
Balance at end of the year		R$ 79036792	R$ 56875514	R$ 73702474
[1]	Exchange variation linked to “Obligations for bonds and securities” are related to Eurobonds.

The breakdown of "Bonds and oth

The breakdown of "Bonds and other securities" is as follows (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Bonds issued	R$ 12952068	R$ 9399276	R$ 8715382
Bonds 01 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2017
[custom:MaturityBonds]	2020
[custom:CurrencyBonds]	BRL
[custom:InterestRatePYBonds]	4.4%
Bonds issued	R$ 117150	14,469	929,042
Bonds 02 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2018
[custom:MaturityBonds]	2020
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	Until 3.5%
Bonds issued	R$ 771300	853,929	37,476
Bonds 03 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2018
[custom:MaturityBonds]	2020
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	Over 3.5%
Bonds issued			35,438
Bonds 04 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2019
[custom:MaturityBonds]	2020
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds issued			3,556,724
Bonds 05 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2017
[custom:MaturityBonds]	2025
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	4.4%
Bonds issued			63,181
Bonds 06 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2018
[custom:MaturityBonds]	2025
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds issued	R$ 225533	1,625,192	664,996
Bonds 07 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2017
[custom:MaturityBonds]	2024
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	2.4% to 10%
Bonds issued	R$ 75716	1,720,187	1,260,099
Bonds 08 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2018
[custom:MaturityBonds]	2024
[custom:InterestRatePYBonds]	6.6% to 6.7%
Bonds issued			1,427,601
Bonds 09 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2018
[custom:MaturityBonds]	2025
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	Until 9%
Bonds issued		1,279,506	727,118
Bonds 10 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2019
[custom:MaturityBonds]	2025
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds issued	R$ 632831	170,257
Bonds 11 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2019
[custom:MaturityBonds]	2026
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	4.4%
Bonds issued	R$ 455666	16,923
Bonds 12 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2019
[custom:MaturityBonds]	2027
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds issued	R$ 46655	121,926
Bonds 13 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2022
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	4.4%
Bonds issued		22,888
Bonds 14 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2023
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds issued	R$ 2005534	223,435
Bonds 9 [Member]
IfrsStatementLineItems [Line Items]
Bonds issued	R$ 306253	3,252,482
Bonds 16 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2021
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4%
Bonds issued	R$ 205624		R$ 13707
Bonds 15 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2019
[custom:MaturityBonds]	2027
[custom:InterestRatePYBonds]	CDI+6.4%
Bonds issued	R$ 41749	R$ 98082
Bonds 17 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2021
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI+1.9%
Bonds issued	R$ 181116
Bonds 18 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2022
[custom:CurrencyBonds]	USD
Bonds issued	R$ 408824
Bonds 19 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2022
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4%
Bonds issued	R$ 157370
Bonds 20 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2025
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI+1.9%
Bonds issued	R$ 5316
Bonds 22 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI+1.9%
Bonds issued	R$ 593036
Bonds 24 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2022
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI+1.9%
Bonds issued	R$ 210639
Bonds 21 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2020
[custom:MaturityBonds]	2023
[custom:InterestRatePYBonds]	0% to 8%
Bonds issued	R$ 246192
Bonds 25 [Member]
IfrsStatementLineItems [Line Items]
[custom:MaturityBonds]	2022
[custom:CurrencyBonds]	USD
Bonds issued	R$ 30126
Bonds 23 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2024
Bonds issued	R$ 3890578
Bonds 28 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2023
[custom:CurrencyBonds]	USD
Bonds issued	R$ 2217811
Bonds 29 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2023
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	Until 9%
Bonds 26 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2022
[custom:InterestRatePYBonds]	0% a 4.4%
Bonds issued	R$ 101029
Bonds 30 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2023
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI+1.9%
Bonds 31 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2024
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI + 2.65%
Bonds 27 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2022
Bonds issued	R$ 26018
Bonds 33 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2026
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI+1.9%
Bonds 35 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2027
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds 32 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2025
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds 36 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2028
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds 37 [Member]
IfrsStatementLineItems [Line Items]
[custom:MaturityBonds]	2028
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds 34 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2026
[custom:InterestRatePYBonds]	CDI + 2.65%
Bonds 39 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% to 4.4%
Bonds 40 [Member]
IfrsStatementLineItems [Line Items]
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	Until 9%
Bonds 41 [Member]
IfrsStatementLineItems [Line Items]
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	CDI+6.4%
Bonds 43 [Member]
IfrsStatementLineItems [Line Items]
[custom:CurrencyBonds]	USD
[custom:InterestRatePYBonds]	0% a 4.4%
Bonds 38 [Member]
IfrsStatementLineItems [Line Items]
[custom:IssuanceBonds]	2021
[custom:MaturityBonds]	2031
[custom:InterestRatePYBonds]	CDI + 2.65%
Bonds 44 [Member]
IfrsStatementLineItems [Line Items]
[custom:CurrencyBonds]	USD
Bonds 45 [Member]
IfrsStatementLineItems [Line Items]
[custom:CurrencyBonds]	USD
Bonds 46 [Member]
IfrsStatementLineItems [Line Items]
[custom:CurrencyBonds]	USD
Bonds 47 [Member]
IfrsStatementLineItems [Line Items]
[custom:CurrencyBonds]	USD

Changes in the balance of Debt

Changes in the balance of Debt Instruments Eligible to Compose Capital (Details) - BRL (R$) R$ in Thousands		12 Months Ended		24 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Debt Instruments Eligible to Compose Capital	[1]	R$ 19641408	R$ 13119660	R$ 19641408	R$ 10175961
Balance at beginning of the year		13,119,660	10,175,961	13,119,660	9,779,944
Issuance - Tier II		5,500,000		5,500,000
Interest payment Tier I	[2]	505,300	506,771	505,300	272,947
Interest payment Tier II	[2]	449,899	402,622	449,899	230,594
Exchange differences / Others		977,855	2,948,951	977,855	221,368
Payments of interest - Tier I		(493,071)	(495,789)	(493,071)	(178,278)
Payments of interest - Tier II		(418,235)	(418,856)	(418,235)	(150,614)
Balance at end of the year		R$ 19641408	R$ 13119660	R$ 19641408	10,175,961
Tier I 01 [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	[3]	nov-18
Issuance Value	[3]			US$1,250
Interest Rate (a.a.)	[3]		7.250%
Debt Instruments Eligible to Compose Capital	[3]	R$ 7050080	R$ 6554451	R$ 7050080	5,092,153
Tier I I [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	[3]	nov-18
Issuance Value	[3]	US$1,250
Interest Rate (a.a.)	[3]	6.125%
Debt Instruments Eligible to Compose Capital	[3]	R$ 7038527	R$ 6565209	7,038,527	R$ 5083808
DebtInstrumentsEligibleToComposeCapitalMaturity	[3]	nov/28
Tier I I 02 [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	[1]	nov-21
Issuance Value	[1]	R$ 5,300
Interest Rate (a.a.)	[1]	CDI+2%
Debt Instruments Eligible to Compose Capital	[1]	R$ 5351046		5,351,046
DebtInstrumentsEligibleToComposeCapitalMaturity	[1]	nov-31
Tier I I 03 [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	[1]	dez-21
Issuance Value	[1]	R$ 200
Interest Rate (a.a.)	[1]	CDI+2%
Debt Instruments Eligible to Compose Capital	[1]	R$ 201755		R$ 201755
DebtInstrumentsEligibleToComposeCapitalMaturity	[1]	dez-31
[1]	Letras Financeiras issued in November 2021 have a redemption and repurchase option.
[2]	The remuneration of interest relating to the Debt Instruments Eligible to Compose Capital Tier I and II was recorded against income for the period as "Interest expense and similar charges" (Note 32).
[3]	The issues were carried out through the Cayman Branch and there is no Income Tax at source, and interest is paid semiannually, as of May 8, 2019.

The breakdown of the balances o

The breakdown of the balances of these items is as follows: (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Financial Liabilities
Credit card obligations		R$ 45976315	R$ 48912963	R$ 38531519
Unsettled financial transactions	[1]	10,861,143	7,210,396	7,239,785
Dividends and Interest on Capital payable		1,029,952	1,223,310	7,826,247
Tax collection accounts - Tax payables		969,939	864,292	883,768
Liability associated with the transfer of assets (Note 9.g)		40,511	55,105	75,500
Other financial liabilities		10,030,440	8,595,084	6,328,551
Total		R$ 68908300	R$ 66861150	R$ 60885370
[1]	Includes operations to settle with B3 S.A. (Current Company Name of BM&FBovespa) and payment orders in foreign currency.

Funding status of the defined b

Funding status of the defined benefit obligations (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
To current employees		R$ 320202	R$ 478837	R$ 687786
Vested obligations to retired employees		26,183,758	28,202,580	27,369,696
Total		26,503,960	28,681,417	28,057,482
Less:
Fair value of plan assets		28,321,826	28,634,891	25,822,890
Unrecognized assets	[1]	(3,645,083)	(2,762,220)	(1,346,547)
Provisions – Post-employment plans, net		1,827,217	2,808,746	3,581,139
Present value of the obligations - Other similar obligations:
To current employees		97,004	135,902	204,439
Vested obligations to retired employees		5,026,865	5,782,124	6,047,368
Total		5,123,869	5,918,026	6,251,807
Less:
Fair value of plan assets		5,096,262	5,398,667	5,222,517
Unrecognized assets	[1]	(585,495)	(240,010)
Provisions – Other similar obligations, net		613,101	759,370	1,029,290
Total provisions for pension plans, net		2,440,318	3,568,115	4,610,429
Of which:
Actuarial provisions		2,728,126	3,929,265	4,960,620
Actuarial assets (note 15)		R$ 287808	R$ 361149	R$ 350191
[1]	Refers to fully funded surplus plans Banesprev I and III, Sanprev I,II and III and Bandeprev.

amounts recognized in the conso

amounts recognized in the consolidated income statement in relation to the aforementioned defined benefit obligations (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Staff costs - Current service costs (note 39)	R$ 1799	R$ 4186	R$ 2774
Interest and similar income and expenses - Interest cost (net) (notes 31 and 32)	(81,681)	108,268	149,232
Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32)	252,608	97,291	100,346
Other movements - Extraordinary charges	2,117	16,786	(1,101)
Total	R$ 174843	R$ 226532	R$ 251251

Amounts recognized in the con_2

Amounts recognized in the consolidated income statement in relation to defined benefit obligations - Other Similar Obligations (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Staff costs - Current service costs (note 39)	R$ 6820	R$ 5860	R$ 8142
Interest and similar income and expenses - Interest cost (net) (notes 31 and 32)	14,985	71,374	61,845
Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32)	31,500		3,173
Other movements - Extraordinary charges(2)	(135)	(142)	22,624
Total	R$ 53170	R$ 77092	R$ 95784

changes in the present value of

changes in the present value of the accrued defined benefit obligations (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Present value of the obligations at beginning of year	R$ 28681417	R$ 28057482	R$ 24013207
Current service cost (Note 39)	1,799	4,186	2,774
Interest cost	1,971,031	1,940,515	2,087,484
Benefits paid	(2,159,866)	(2,060,960)	(1,960,103)
Actuarial (gains)/losses	(1,992,512)	722,261	3,908,350
Others	2,091	17,933	5,770
Present value of the obligations at end of year	R$ 26503960	R$ 28681417	R$ 28057482

changes in the fair value of th

changes in the fair value of the plan assets (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Present value of the obligations at beginning of year	R$ 5918026	R$ 6251807	R$ 4789072
Current service cost (Note 39)	6,820	5,860	8,142
Interest cost	417,536	448,836	443,837
Benefits paid	(373,341)	(337,742)	(378,782)
Actuarial (gains)/losses	(845,173)	(450,735)	1,366,837
Other			22,701
Present value of the obligations at end of year	5,123,869	5,918,026	6,251,807
Post Employment Plans [Member]
IfrsStatementLineItems [Line Items]
Fair value of plan assets at beginning of year	28,634,891	25,822,890	22,708,990
Interest (Expense) Income	2,052,712	1,832,247	1,938,252
Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense	(791,317)	2,994,598	3,087,544
Contributions/(surrenders)	589,006	49,716	51,807
By the Bank	585,437	44,970	44,752
By plan participants	3,569	4,746	7,055
Benefits paid	(2,159,866)	(2,060,960)	(1,960,103)
Exchange differences and other items	(3,600)	(3,600)	(3,600)
Fair value of plan assets at beginning of year	R$ 28321826	R$ 28634891	R$ 25822890

Changes in the fair value of _2

Changes in the fair value of the plan assets - Other Similar Obligations (Details) - Other Similar Obligations [Member] - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Fair value of plan assets at beginning of year	R$ 5398667	R$ 5222517	R$ 4157251
Interest (Expense) Income	402,551	377,462	381,992
Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense	(521,100)	(34,409)	915,626
Contributions/(surrenders)	151,926	132,416	107,037
By the Bank	151,926	132,416	107,037
Benefits paid	(335,781)	(299,319)	(339,389)
Fair value of plan assets at end of year	R$ 5096263	R$ 5398667	R$ 5222517

Opening of gains (losses) Actua

Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Experience Plan	R$ 2640120	R$ 807895	R$ 446444
Changes in Financial Assumptions	4,632,632	85,634	(2,615,119)
Changes in Financial Demographic			1,228
Gain (Loss) Actuarial - Obligation	1,992,512	(722,261)	(3,060,335)
Return on Investment, Return Unlike Implied Discount Rate	(791,317)	2,994,598	2,624,960
Gain (Loss) Actuarial - Asset	(791,317)	2,994,598	2,624,960
Changes in Surplus / Deficit Uncollectible	R$ 630255	R$ 1318382	R$ 164428

Opening of gains (losses) Act_2

Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses - Other Similar Obligations (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Experience Plan	R$ 290878	R$ 289237	R$ 209175
Changes in Financial Assumptions	1,136,497	182,120	(1,157,662)
Changes in Financial Demographic	(446)	(20,621)
Gain (Loss) Actuarial - Obligation	845,173	450,735	(1,366,837)
Return on Investment, Return Unlike Implied Discount Rate	(521,100)	(34,409)	915,626
Gain (Loss) Actuarial - Asset	(521,100)	(34,409)	915,626
Changes in Surplus Uncollectible	R$ 313984	R$ 240010	R$ 71698

experience adjustments arising

experience adjustments arising from plan assets and liabilities (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Post Employment Plans [Member]
IfrsStatementLineItems [Line Items]
Experience in Net Assets Adjustments	R$ 791317	R$ 2994598	R$ 2624960
Other Similar Obligations [Member]
IfrsStatementLineItems [Line Items]
Experience in Net Assets Adjustments	R$ 521100	R$ 34409	R$ 915626

amounts of actuarial obligation

amounts of actuarial obligation of defined benefit plans not covered and defined benefit plans partially or totally covered (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined benefit plans uninsured	R$ 613101	R$ 759370	R$ 815929
Defined benefit plans partially or totally covered	R$ 31014727	R$ 33840073	R$ 33493360

main categories of plan assets

main categories of plan assets as a percentage of total plan assets (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Debt instruments	96.68%	97.41%	92.92%
Properties	0.17%	0.17%	0.26%
Other	3.15%	2.45%	6.82%

estimated benefits payable (Det

estimated benefits payable (Details) R$ in Thousands	12 Months Ended
	Dec. 31, 2021BRL (R$)
2022	R$ 2511841
2023	2,561,598
2024	2,608,572
2025	2,651,957
2026	2,691,303
2027 to 2031	13,884,478
Total	R$ 26909749

change of one percentage point

change of one percentage point in the medical care cost rates (Details) - Sensitivity [Member] - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Sensitivity Current Service Cost And Interest [Member]
IfrsStatementLineItems [Line Items]
(+)0.5%	R$ 25444	R$ 28711	R$ 31672
(-)0.5%	28,133	32,099	35,572
Applied (+) 2 years	(44,619)	(47,637)	(51,720)
Applied (-) 2 years	47,934	54,226	56,687
(+)0.5%	31,280	34,718	38,388
(-)0.5%	(28,762)	(31,637)	(35,060)
Sensitivity Present Value Of Obligations [Member]
IfrsStatementLineItems [Line Items]
(+)0.5%	(305,114)	(402,547)	(440,072)
(-)0.5%	337,349	450,049	494,257
Applied (+) 2 years	(535,039)	(667,904)	(718,632)
Applied (-) 2 years	574,793	760,289	787,636
(+)0.5%	375,089	486,769	533,380
(-)0.5%	R$ 344891	R$ 443569	R$ 487146

ration of the actuarial liabili

ration of the actuarial liabilities of the plans sponsored (Details)	12 Months Ended
	Dec. 31, 2021
Banesprev Plans I [Member]
IfrsStatementLineItems [Line Items]
Plans	12 years 6 months 25 days
Banesprev Plans II [Member]
IfrsStatementLineItems [Line Items]
Plans	12 years 11 months 1 day
Banesprev Plans III [Member]
IfrsStatementLineItems [Line Items]
Plans	11 years 6 months 14 days
Banesprev Plans IV [Member]
IfrsStatementLineItems [Line Items]
Plans	14 years 9 months 25 days
Banesprev Plans V [Member]
IfrsStatementLineItems [Line Items]
Plans	9 years 6 months 3 days
Banesprev Pre-75 [Member]
IfrsStatementLineItems [Line Items]
Plans	10 years 5 months 12 days
Sanprev I [Member]
IfrsStatementLineItems [Line Items]
Plans	6 years 9 months 14 days
Sanprev II [Member]
IfrsStatementLineItems [Line Items]
Plans	12 years 9 months 3 days
Sanprev III [Member]
IfrsStatementLineItems [Line Items]
Plans	11 years 22 days
Bandeprev Basic [Member]
IfrsStatementLineItems [Line Items]
Plans	10 years 6 months 10 days
Bandeprev Special I [Member]
IfrsStatementLineItems [Line Items]
Plans	7 years 2 months 23 days
Bandeprev Special II [Member]
IfrsStatementLineItems [Line Items]
Plans	6 years 5 months 16 days
SantanderPrevi [Member]
IfrsStatementLineItems [Line Items]
Plans	8 years 1 month 9 days
C A C I B A N [Member]
IfrsStatementLineItems [Line Items]
Plans	7 years 3 months 8 days
D A B [Member]
IfrsStatementLineItems [Line Items]
Plans	5 years 11 months 4 days
D C A [Member]
IfrsStatementLineItems [Line Items]
Plans	6 years 5 months 20 days

Duration of the actuarial liabi

Duration of the actuarial liabilities of the plans sponsored - Other Similar Obligations (Details)	12 Months Ended
	Dec. 31, 2021yr
Cabesp [Member]
IfrsStatementLineItems [Line Items]
Plans	16.03
Bandepe [Member]
IfrsStatementLineItems [Line Items]
Plans	18.03
Free Clinic [Member]
IfrsStatementLineItems [Line Items]
Plans	12.28
Lifetime officers [Member]
IfrsStatementLineItems [Line Items]
Plans	9.36
Health officers [Member]
IfrsStatementLineItems [Line Items]
Plans	30.28
Life Insurance [Member]
IfrsStatementLineItems [Line Items]
Plans	8.04

Actuarial Assumptions Adopted i

Actuarial Assumptions Adopted in Calculations (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Actuarial assumption of expected rates of pension increases [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation	8.40%	6.80%	7.10%
Rate Calculation of Interest Under Assets to the Next Year	8.40%	6.80%	7.10%
Estimated Long-term Inflation Rate	3.00%	3.30%	3.50%
Estimated Salary Increase Rate	3.50%	3.80%	4.00%
Mortality tables	AT2000	AT2000	AT2000
Actuarial assumption of medical cost trend rates [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation	8.40%	7.10%	7.20%
Rate Calculation of Interest Under Assets to the Next Year	8.40%	7.10%	7.20%
Estimated Long-term Inflation Rate	3.00%	3.30%	3.50%
Estimated Salary Increase Rate			4.00%
Mortality tables	AT2000	AT2000	AT2000

Provisions for pensions and s_3

Provisions for pensions and similar obligations (Details Narrative) - BRL (R$)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Actual provision for pensions	R$ 2728126	R$ 3929265	R$ 4960620
Return on plan assets	1,198,815	4,826,845	6,301,111
Satander Previ Plan [Member]
IfrsStatementLineItems [Line Items]
Appropriate value by sponsor	69,142	69,142	R$ 110325
S B P R E V Plan [Member]
IfrsStatementLineItems [Line Items]
Appropriate value by sponsor	R$ 17880	R$ 14054
Banesprev And Other Plan [Member]
IfrsStatementLineItems [Line Items]
Nominal discount rate	8.39%	6.80%	7.10%
Inflation rate	3.00%	3.30%	3.50%
Estimated long term inflation rate	3.52%	3.80%	4.00%
Cabesp And Other Obligation [Member]
IfrsStatementLineItems [Line Items]
Nominal discount rate	8.44%	7.10%	7.20%

The breakdown of the balance _2

The breakdown of the balance of Provisions (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Pension fund provisions and similar requirements	R$ 2728126	R$ 3929265	R$ 4960620
Provisions for lawsuits and administrative proceedings, commitments and other provisions	8,876,356	9,885,713	11,371,205
Judicial and administrative proceedings under the responsibility of former controlling stockholders (Note 15)	496	496	103,272
Judicial and administrative proceedings	7,668,914	8,648,892	9,226,735
Of which:
Civil	3,231,004	3,429,155	3,201,061
Labor	2,071,811	2,886,990	3,504,296
Tax and Social Security	2,366,099	2,332,747	2,521,378
Provisions for contingent commitments (Note 22.b.1)	908,027	724,779	683,918
Others provisions	298,919	511,546	1,357,280
Total	R$ 11604482	R$ 13814978	R$ 16331825

Changes in Provisions (Details)

Changes in Provisions (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021		Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Balance at beginning of year		R$ 13814978		R$ 16326209	R$ 14695898
Interest expense and similar charges		217,413		276,933	314,596
Personnel Expenses		8,619		10,046	10,917
Constitutions / Reversals and Adjustment of provisions		1,996,170		1,578,446	2,957,710
Other Comprehensive Income		(833,511)		(1,133,245)	1,416,815
Additions to provisions for contingent commitments		183,248		40,861	(57,651)
Payments to external funds		(619,086)		(215,829)	(183,899)
Amount paid		(3,222,395)		(3,136,423)	(2,865,087)
Transfer to other assets - actuarial assets (Note 15)		27,045		17,695	23,014
Transfers, exchange differences and other changes		32,002		50,284	19,512
Balance at end of year		11,604,482		13,814,978	16,331,825
Pensions [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year		3,929,265	[1]	4,960,620	3,357,654	[1]
Interest expense and similar charges	[1]	217,413		276,933	314,596
Personnel Expenses	[1]	8,619		10,046	10,917
Constitutions / Reversals and Adjustment of provisions	[1]	(1,618)		13,044	21,523
Other Comprehensive Income	[1]	(833,511)		(1,133,245)	1,416,815
Additions to provisions for contingent commitments	[1]
Payments to external funds	[1]	(619,086)		(215,829)	(183,899)
Amount paid	[1]
Transfer to other assets - actuarial assets (Note 15)	[1]	27,045		17,695	23,014
Transfers, exchange differences and other changes	[1]
Balance at end of year	[1]	2,728,126		3,929,265	4,960,620
Othe Provisions [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year		9,885,713		11,365,589	11,338,244
Interest expense and similar charges
Personnel Expenses
Constitutions / Reversals and Adjustment of provisions		1,997,788		1,565,402	2,936,187
Other Comprehensive Income
Additions to provisions for contingent commitments		183,248		40,861	(57,651)
Payments to external funds
Amount paid		(3,222,395)		(3,136,423)	(2,865,087)
Transfer to other assets - actuarial assets (Note 15)
Transfers, exchange differences and other changes		32,002		50,284	19,512
Balance at end of year		R$ 8876356		R$ 9885713	R$ 11371205
[1]	For further information, see note 22. Provisions for pension funds and similar obligations.

Movement of provisions (Details

Movement of provisions (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Balance at beginning of year	R$ 724779	R$ 683918	R$ 626267
Creation of provision for contingent commitments	183,248	40,861	57,651
Balance at end of year	R$ 908027	R$ 724779	R$ 683918

Provisions for judicial and a_3

Provisions for judicial and administrative proceedings, commitments and other provisions (Details Narrative) - BRL (R$)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
lawsuits and administrative proceedingd related to tax and social security	R$ 4075496	R$ 3993873
Provisional contribution on financial transaction on customer operations	945,715	924,457
Social security contribution	53,936	51,409
Tax on services	283,528	263,183	R$ 224631
Main lawsuite losses	29,498,172,000,000
Profit sharing on INSS	7,340,746,000,000
Tax on services ISS	4,145,661,000,000
Non approved compensation	5,351,349,000,000
Amortization of banco goodwill	1,466,444,000,000
Losess on credit operations	1,175,511,000,000
Use of CSLL tax loss and nagative basis	1,092,625
Amortization of banco goodwill banco sudameris	569,114
Capital gain IRPJ and CSLL	496,231,000,000
Civil lawsuits with possible risk of loss	2,380,226,000,000
Civil lawsuits, in the amounts	R$ 496	R$ 496

The total charge for the year c

The total charge for the year can be reconciled to accounting profit as follows: (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Profit Before Tax		R$ 24750329	R$ 9663975	R$ 22273149
Operating Profit Before Tax		24,750,329	9,663,975	22,273,149
Rates (25% income tax and 25% social contribution tax)		(12,375,164)	(4,348,789)	(8,909,260)
Tax expense (income) relating to gain (loss) on discontinuance	[1]	(1,679,789)	(1,589,260)	(1,983,839)
Non-taxable/Non-deductible:
Equity in affiliates		72,114	85,723	59,795
Tax effect of impairment of goodwill		(559,247)	(183,854)	(137,175)
Exchange variation - foreign branches	[2]	768,902	6,831,484	715,424
Net Indeductible Expenses of Non-Taxable Income (3)		(230,958)	(57,663)	214,242
Adjustments:
Constitution of income and social contribution taxes on temporary differences		264,191	551,983	70,223
Effects of change in rate of social contribution taxes		1,820,072	1,478,138	1,604,000
CSLL Aliquot Differential Effect (4)		1,192,687	353,777	2,796,493
Other adjustments		1,536,187	665,239	(71,602)
Income taxes		(9,191,005)	3,786,778	(5,641,699)
Of which:
Current tax (6)		(8,087,119)	(5,111,380)	(6,692,328)
Deferred taxes		(1,103,886)	8,898,158	1,050,629
Taxes paid in the year		R$ 4534538	R$ 1269150	R$ 5301184
[1]	PIS and COFINS are considered as components of the profit base (net base of certain income and expenses); therefore, and in accordance with IAS 12, they are accounted for as income taxes.
[2]	Permanent differences related to investment in overseas subsidiaries are considered to be non-taxable/deductible (see details below).

Foreign exchange variations rec

Foreign exchange variations recorded as a result of foreign investments (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Result generated by the exchange rate variations on the Bank's investment in the Cayman, Luxemburg and EFC Branch	R$ 3862128	R$ 16791857	R$ 1512322
Gains (losses) on financial assets and liabilities (net)
Result generated by derivative contracts used as hedge	(6,374,108)	(30,374,869)	(2,776,601)
Income Taxes
Tax effect of derivative contracts used as hedge - PIS / COFINS	275,052	311,819	(106,497)
Tax effect of derivative contracts used as hedge - IR / CS	R$ 2236928	R$ 13271193	R$ 1370776

The effective tax rate (Details

The effective tax rate (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Profit Before Tax	R$ 24750328	R$ 9663975	R$ 22273149
Income tax	R$ 9191005	R$ 3786778	R$ 5641699
Effective tax rate	37.13%	(39.18%)	25.33%

The Bank recognized the followi

The Bank recognized the following amounts in consolidated equity (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Tax credited to equity	R$ 4583297	R$ 3008035	R$ 3517590
Measurement at fair value through other comprehensive income	1,978,165	472,472	416,748
Measurement of cash flow hedges	388,307	1,533	186
Measurement of investment hedges	562,353	562,353	562,353
Defined benefit plan	1,654,472	1,971,677	2,538,303
Tax charged to equity	(2,349,500)	(3,087,311)	(3,952,457)
Measurement at fair value through other comprehensive income	(2,340,394)	(2,700,991)	(3,618,126)
Measurement of cash flow hedges		(386,284)	(322,080)
Defined benefit plan	(9,106)	(36)	(12,251)
Total	R$ 2233797	R$ 79276	R$ 434867

Balances of Tax assets - Deferr

Balances of Tax assets - Deferred and Tax liabilities - Deferred (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Tax assets:	R$ 37640297	R$ 37981698	R$ 30295062
Temporary differences	32,884,314	32,113,436	29,565,702
Tax loss carry forwards	4,755,983	5,693,104	367,120
Social contribution taxes 18%		175,158	362,240
Total deferred tax assets	37,640,297	37,981,698	30,295,062
Tax liabilities:	2,225,190	4,546,595	5,540,873
Excess depreciation of leased assets		166,903	148,839
Adjustment to fair value of trading securities and derivatives	2,225,190	4,379,692	5,392,034
Total deferred tax liabilities	R$ 2225190	R$ 4546595	R$ 5540873

Changes in the balances of Tax

Changes in the balances of Tax Assets - Deferred and Tax Liabilities - Deferred (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Balances At [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	R$ 37640297		R$ 37999396		R$ 30295060	R$ 37981699	R$ 30295060	R$ 27680578
Temporary differences	32,884,315		32,131,133		29,565,700	32,113,436	29,565,700	26,416,527
Tax loss carry forwards	4,755,983		5,693,104		367,120	5,693,104	367,120	846,587
Social contribution taxes 18%			175,159		362,240	175,159	362,240	417,464
Tax liabilities:	2,225,190		4,546,595		5,540,873	4,546,595	5,540,873	3,031,389
Temporary differences	2,225,190		4,546,595		5,540,873	4,546,595	5,540,873	3,031,389
Total	35,415,107		33,452,801		24,754,187	R$ 33435104	R$ 24754187	R$ 24649189
Adjustment To Income [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	(3,609,495)		8,362,100		3,693,727
Temporary differences	(2,497,215)		3,223,197		4,240,405
Tax loss carry forwards	(937,121)		5,325,984		(491,454)
Social contribution taxes 18%	(175,159)		(187,081)		(55,224)
Tax liabilities:	(1,344,268)		129,231		781,448
Temporary differences	(1,344,268)		129,231		781,448
Total	(2,265,227)		8,232,869		2,912,279
Valuation Adjustments [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	1,696,091	[1]	(400,583)	[1]	471,499
Temporary differences	1,696,091	[1]	(400,583)	[1]	471,499
Tax loss carry forwards		[1]
Social contribution taxes 18%		[1]
Tax liabilities:	(977,137)	[1]	(1,063,160)		1,773,065
Temporary differences	(977,137)	[1]	(1,063,160)		1,773,065
Total	2,673,228	[1]	662,577		(1,301,566)
Other [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	1,572,002		(418,784)		(1,550,744)
Temporary differences	1,572,002		(418,784)		(1,562,731)
Tax loss carry forwards					11,987
Social contribution taxes 18%
Tax liabilities:			(60,349)		(45,029)
Temporary differences			(60,349)		(45,029)
Total	1,572,002		(358,435)		(1,505,715)
Acquisition Merger [Member]
IfrsStatementLineItems [Line Items]
Tax assets:			161,603
Temporary differences			161,603
Tax loss carry forwards
Social contribution taxes 18%
Tax liabilities:
Temporary differences
Total			R$ 161603
[1]	It relates to deferred taxes recognized in equity due to temporary differences accounted in equity.

Expected realization of deferre

Expected realization of deferred tax assets (Details) R$ in Thousands	12 Months Ended
	Dec. 31, 2021BRL (R$)
IfrsStatementLineItems [Line Items]
Temporary differences	R$ 32884138
Tax loss carry forwards	4,756,159
Total	37,640,297
Temporary differences	2,225,190
Total	2,225,190
Expected Realization Of Deferred Tax Assets 2022 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	10,032,946
Tax loss carry forwards	1,917,879
Total	11,950,826
Temporary differences	573,982
Total	573,982
Expected Realization Of Deferred Tax Assets 2023 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	10,544,315
Tax loss carry forwards	1,781,778
Total	12,326,093
Temporary differences	573,982
Total	573,982
Expected Realization Of Deferred Tax Assets 2024 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	8,684,796
Tax loss carry forwards	987,568
Total	9,672,364
Temporary differences	458,404
Total	458,404
Expected Realization Of Deferred Tax Assets 2025 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	1,870,257
Tax loss carry forwards	40,732
Total	1,910,989
Temporary differences	546,114
Total	546,114
Expected Realization Of Deferred Tax Assets 2026 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	976,574
Tax loss carry forwards	7,063
Total	983,637
Temporary differences	12,717
Total	12,717
Expected Realization Of Deferred Tax Assets 2027 To 2031 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	775,250
Tax loss carry forwards	21,139
Total	796,388
Temporary differences	59,991
Total	R$ 59991

The breakdown of the balance _3

The breakdown of the balance of “Other Liabilities” is as follows: (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accrued expenses and deferred income	[1]	R$ 2649744	R$ 5115936	R$ 5038011
Transactions in transit	[2]	796,671	674,162	785,418
Provision for share-based payment		319,660	325,930	317,539
Liabilities for insurance contracts		2,011,596	1,987,577	1,901,801
Other	[3]	4,723,707	5,947,640	2,878,175
Total		R$ 10501378	R$ 14051245	R$ 10920944
[1]	Corresponds, mainly, to payments to be made - personnel expenses.
[2]	Includes mainly the amounts to transfer to the credit card companies (resources in transit) and amount to release referred to the real estate credits.
[3]	Includes credits for funds to be released, such as Administratives expenses, amounts due to associates and suppliers.

The breakdown, by type of instr

The breakdown, by type of instrument and geographical origin of the issuer, of Other Comprehensive Income Financial assets measured at fair value through other comprehensive income (IFRS 9) on December 31, 2021 is as follows: (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Government debt securities	R$ 101158055	R$ 109317614	R$ 95961823
Private-sector debt securities	54,545	38,131	1,104
Total	101,212,600	109,668,214	95,962,927
Revaluation Gains [Member]
IfrsStatementLineItems [Line Items]
Government debt securities	6,756,252	11,061,691	7,251,721
Private-sector debt securities	795,765	953,043	824,294
Total	7,552,017	12,014,734	8,076,015
Revaluation Losses [Member]
IfrsStatementLineItems [Line Items]
Government debt securities	(9,937,757)	(8,832,504)	(3,952,558)
Private-sector debt securities	(3,965)	(840,101)	(778,175)
Total	(9,941,722)	(9,672,605)	(4,730,733)
Net Revaluation Gains Losses [Member]
IfrsStatementLineItems [Line Items]
Government debt securities	(3,181,505)	2,229,187	3,299,163
Private-sector debt securities	791,800	112,942	46,119
Total	R$ 2389705	R$ 2342129	R$ 3345282

The detail, by company, of the

The detail, by company, of the balance of “Equity - Non-controlling interests” is as follows: (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financial Position of non-controlling interest	R$ 334349	R$ 312885	R$ 558581
Santander Leasing S.A. Arrendamento Mercantil			447
Olé Consignado S.A.			271,078
Banco PSA Finance Brasil S.A.	129,289	138,644	131,222
Rojo Entretenimento S.A.	6,939	7,087	7,245
Banco Hyundai Capital	183,538	167,155	148,589
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.	3,109
Toro Corretora de Títulos e Valores Mobiliários Ltda.	R$ 11474

Balance of Profit attributable

Balance of Profit attributable to non-controlling interests (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Profit attributable to non-controlling interests	R$ 31272	R$ 32224	R$ 224518
Of which:
Santander Leasing S.A. Arrendamento Mercantil		(444)	3
Getnet S.A.			3,962
Olé Consignado S.A.			199,332
Banco PSA Finance Brasil S.A.	12,688	14,146	15,887
Rojo Entretenimento S.A.	(148)	(159)	230
Banco Hyundai Capital	21,563	18,681	2,520
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.	1,569
Toro Corretora de Títulos e Valores Mobiliários Ltda.	(4,400)
Return Capital Serviços de Recuperação de Créditos S.A. (Current name of Ipanema Empreendimentos e Participações Ltda.)			R$ 2584

The changes in the balance of _

The changes in the balance of “Non-controlling interests” are summarized as follows: (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Balance at beginning of year		R$ 312885	R$ 558581	R$ 529990
Increase (decrease) in equity	[1]	17,415	(271,078)	51,073
Dividends paid / Interest on Capital		(19,138)		(92,734)
[custom:CapitalIncrease]	[2]			100,000
Profit attributable to non-controlling interests		31,272	32,224	224,518
Update PUT Olé Consignado S.A.				(240,000)
Others		(8,085)	(6,842)	(14,266)
Balance at end of year		R$ 334349	R$ 312885	R$ 558581
[1]	In 2019, mainly refers to Banco Hyundai Capital, which was consolidated using the equity method. In 2020, it refers to the merger of Banco Olé Consignado S.A by the Company. In 2021, it refers to the merger of Toro Corretora de Títulos e Valores Mobiliários S.A and Gira – Gestão Integrada de Receivíveis do Agronegócio S.A.
[2]	In 2019, refers to the capital increase of Olé Consignado.

The capital stock, fully subscr

The capital stock, fully subscribed and paid, is divided into registered book-entry shares with no par value. (Details) - shares	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Brazilian residents	245,063	245,323	205,854
Foreign residents	7,253,468	7,253,208	7,292,677
Total shares	7,498,531	7,498,531	7,498,531
(-) Treasury shares	(31,510)	(37,658)	(33,404)
Total outstanding	7,467,021	7,460,873	7,465,127
Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Brazilian residents	109,718	109,885	90,069
Foreign residents	3,708,977	3,708,810	3,728,626
Total shares	3,818,695	3,818,695	3,818,695
(-) Treasury shares	(15,755)	(18,829)	(16,702)
Total outstanding	3,802,940	3,799,866	3,801,993
Preference shares [member]
IfrsStatementLineItems [Line Items]
Brazilian residents	135,345	135,438	115,785
Foreign residents	3,544,491	3,544,398	3,564,051
Total shares	3,679,836	3,679,836	3,679,836
(-) Treasury shares	(15,755)	(18,829)	(16,702)
Total outstanding	3,664,081	3,661,007	3,663,134

We present below the distributi

We present below the distribution of dividends and Interest on Equity made on December 31, 2021 and December 31, 2020 and 2019. (Details) - BRL (R$) R$ / shares in Units, R$ in Thousands		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Real		R$ 9649000		R$ 3837085		R$ 10800000
Interim Dividends I [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real		R$ 3000000	[1],[2]	R$ 512085	[3]	R$ 1010000	[4],[5]
Interim Dividends I [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares		R$ 382.98	[1],[2]	R$ 65.43	[3]	R$ 128.97	[4],[5]
Interim Dividends I [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares		421.28	[1],[2]	71.97	[3]	R$ 141.86	[4],[5]
Interim Dividends I [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares		804.26	[1],[2]	137.39	[3]
Interim Dividends V I [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares		382.98	[1],[2]	65.43	[3]
Interim Dividends V I [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares		421.28	[1],[2]	71.97	[3]
Interim Dividends V I [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares		R$ 804.26	[1],[2]	R$ 137.39	[3]
Interest On Capital I I [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	[2],[6]	R$ 3400000
Interest On Capital I I [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[6]	R$ 434.04
Interest On Capital I I [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[6]	477.45
Interest On Capital I I [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[2],[6]	911.49
Interest On Capita V [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[6]	368.94
Interest On Capital V [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[6]	405.83
Interest On Capital V [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[2],[6]	R$ 774.77
Interim Dividends 6 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	[2],[7]	R$ 3000000
Interim Dividends 6 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[7]	R$ 382.98
Interim Dividends 6 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[7]	421.28
Interim Dividends 6 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[2],[7]	804.26
Interim Dividends 7 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[7]	382.98
Interim Dividends 7 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[7]	421.28
Interim Dividends 7 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[2],[7]	R$ 804.26
Interest On Capital 8 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	[2],[8]	R$ 249000
Interest On Capital 8 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[8]	R$ 31.79
Interest On Capital 8 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[8]	34.97
Interest On Capital 8 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[2],[8]	66.75
Interest On Capita 9 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[8]	27.02
Interest On Capital 9 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	[2],[8]	29.72
Interest On Capital 9 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[2],[8]	R$ 56.74
Interest On Capital 1 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real				R$ 890000	[9]	R$ 1000000	[5],[10]
Interest On Capital 1 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				R$ 113.71	[9]	R$ 127.59	[5],[10]
Interest On Capital 1 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				125.08	[9]	140.34	[5],[10]
Interest On Capital 1 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				238.80	[9]	267.93	[5],[10]
Interest On Capital 2 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				96.65	[9]	108.45	[5],[10]
Interest On Capital 2 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				106.32	[9]	119.29	[5],[10]
Interest On Capital 2 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				R$ 202.97	[9]	R$ 227.74	[5],[10]
Interest On Capital 3 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real				R$ 770000	[11]	R$ 1000000	[5],[12]
Interest On Capital 3 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				R$ 98.37	[11]	R$ 127.64	[5],[12]
Interest On Capital 3 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				108.21	[11]	140.40	[5],[12]
Interest On Capital 3 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				206.58	[11]	268.04	[5],[12]
Interest On Capital 4 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				83.62	[11]	127.64	[5],[12]
Interest On Capital 4 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				91.98	[11]	140.40	[5],[12]
Interest On Capital 4 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				R$ 175.61	[11]	R$ 268.04	[5],[12]
Interest On Capital 5 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real				R$ 1000000	[13]	R$ 1000000	[5],[14]
Interest On Capital 5 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				R$ 127.76	[13]	R$ 127.66	[5],[14]
Interest On Capital 5 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				140.54	[13]	140.43	[5],[14]
Interest On Capital 5 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				268.30	[13]	268.09	[5],[14]
Interest On Capita 10 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				108.59	[13]	108.51	[5],[14]
Interest On Capital 10 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				119.45	[13]	119.36	[5],[14]
Interest On Capital 10 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				R$ 228.04	[13]	R$ 227.87	[5],[14]
Interest On Capital 11 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real				R$ 665000	[15]	R$ 6790000	[5],[16]
Interest On Capital 11 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				R$ 84.96	[15]	R$ 867.02	[5],[16]
Interest On Capital 11 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				93.45	[15]	953.72	[5],[16]
Interest On Capital 11 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				178.41	[15]	230.21	[4],[5]
Interest On Capita 12 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares				72.21	[15]	109.62	[4],[5]
Interest On Capital 12 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares				79.44	[15]	953.72	[5],[16]
Interest On Capital 12 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares				R$ 151.65	[15]	1,820.74	[5],[16]
Interest On Capital 14 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[4],[5]					270.83
Interest On Capital 21 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	[4],[5]					120.58
Interest On Capital 20 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	[5],[16]					1,820.74
Interest On Capita 20 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	[5],[16]					R$ 867.02
[1]	Resolved by the Board of Directors on April 27, 2021, paid on June 2, 2021, without any remuneration as monetary restatement.
[2]	Resolved by the Board of Directors on December 28, 2021, paid on February 3, 2022, without any remuneration as monetary restatement.
[3]	Deliberated by the Board of Directors on February 2, 2021, paid on March 3, 2021, without any monetary restatement.
[4]	Resolved by the Board of Directors on December 27, 2019, paid on February 21, 2020, without any remuneration as monetary restatement.
[5]	The amount of interest on equity and interim dividends were fully allocated to the mandatory minimum dividends distributed by the Bank for the year 2019.
[6]	Resolved by the Board of Directors on July 27, 2021, paid on September 3, 2021, without any remuneration as monetary restatement.
[7]	Resolved by the Board of Directors on October 26, 2021, paid on December 3, 2021, without any remuneration as monetary restatement.
[8]	They were fully imputed to the mandatory minimum dividends distributed by the Bank for the year 2021.
[9]	Resolved by the Board of Directors on April 27, 2020, paid on June 24, 2020, without any remuneration as restatement.
[10]	Resolved by the Board of Directors on March 29, 2019, paid on May 28, 2019, without any remuneration as monetary restatement.
[11]	Resolved by the Board of Directors on July 28, 2020, paid on September 25, 2020, without any remuneration on account of monetary restatement.
[12]	Resolved by the Board of Directors on June 28, 2019, paid on July 31, 2019, without any remuneration as monetary restatement.
[13]	Resolved by the Board of Directors on October 26, 2020, paid on December 23, 2020, without any remuneration to monetary restatement title.
[14]	Resolved by the Board of Directors on September 30, 2019, paid on October 30, 2019, without any remuneration as monetary restatement.
[15]	Resolved by the Board of Directors on December 28, 2020, paid from February 1, 2021, without any remuneration by way of monetary restatement.
[16]	Resolved by the Board of Directors on December 27, 2019, paid on February 21, 2020, without any remuneration as monetary restatement.

The repurchase aims to (1) maxi

The repurchase aims to (1) maximize the generation of value for shareholders through an efficient management of the capital structure; and (2) enable the payment of administrators, management level employees and other employees of the Bank and of companie (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Shareholders Equity
Treasury shares at beginning of the period	18,829	16,702	13,317
Shares Acquisitions	91	5,052	6,465
Payment - Share-based compensation	(3,165)	(2,925)	(3,080)
Treasury shares at end of the period	15,755	18,829	16,702
Balance of Treasury Shares in thousand of reais	R$ 711268	R$ 789587	R$ 679364
Emission Costs in thousands of Reais	1,771	1,771	1,771
Balance of Treasury Shares in thousands of reais	R$ 713039	R$ 791358	R$ 681135
Minimum cost	R$7.55	R$7.55	R$7.55
Weighted average cost	R$33.86	R$33.24	R$28.59
Minimum cost	R$49.55	R$49.55	R$43.84
Share Price	R$29.98	R$44.83	R$42.70

Shareholders_ equity (Details N

Shareholders’ equity (Details Narrative) - BRL (R$)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Shareholders Equity
Share issued	9,090,909,090
Description of buyback program	he Buyback Program covers the acquisition of up to 36,956,402 Units, representing 36,956,402 common shares and 36,956,402 preferred shares, which corresponded, on December 31, 2021, to approximately 1% of the Bank's capital stock. As of December 31, 2021, Banco Santander had 355,661,814 common shares and 383,466,228 preferred shares outstanding.
Common shares outstanding	355,661,814
Preferred shares outstanding	383,466,228
Gain on sold of treasury shares	R$ 40820	R$ 9274	R$ 5796

Basic earnings per share is cal

Basic earnings per share is calculated by dividing the net profit attributable to the Parent by the weighted average outstanding shares during the year average number, excluding the average number of own shares held during the year and held in treasury (Details) - BRL (R$) R$ / shares in Units, R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Profit attributable to the Parent	R$ 15528052	R$ 13418529	R$ 16406932
Basic Earnings Per Shares Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Basic earnings (loss) per share	R$ 1981.65	R$ 1713.45	R$ 2094.83
Preferred shares	2,179.82	1,884.80	2,304.32
Net Profit Attributable Basic Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Basic earnings (loss) per share	7,535,924	6,511,367	7,965,194
Preferred shares	7,992,128	6,907,162	8,441,738
Weighted Average Shares Outstanding In Thousands Basic [Member]
IfrsStatementLineItems [Line Items]
Basic earnings (loss) per share	3,802,851	3,800,140	3,802,303
Preferred shares	R$ 3666423	R$ 3664666	R$ 3663444

Diluted earnings per share (Det

Diluted earnings per share (Details) - BRL (R$) R$ / shares in Units, R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Profit attributable to the Parent	R$ 15528052	R$ 13418529	R$ 16406932
Diluted Earnings Per Shares Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Common shares	R$ 1981.65	R$ 1713.45	R$ 2094.83
Preferred shares	2,179.82	1,884.80	2,304.32
Net Profit Attributable Diluted Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Common shares	7,535,924	6,511,367	7,965,194
Preferred shares	7,992,128	6,907,162	8,441,738
Weighted Average Shares Outstanding In Thousands Diluted [Member]
IfrsStatementLineItems [Line Items]
Common shares	3,802,851	3,800,140	3,802,303
Preferred shares	R$ 3666423	R$ 3664666	R$ 3663444

Summary of the fair values of f

Summary of the fair values of financial assets and liabilities (Details) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	R$ 18858842000	R$ 60900466000	R$ 32342306000
Financial Assets Measured At Fair Value Through Profit Or Loss	18,858,842,000		32,342,305,000
Debt instruments	3,122,017,000	3,545,660,000	3,735,076,000
Balances with The Brazilian Central Bank	15,736,825,000	57,354,806,000	28,607,230,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	70,570,665,000
Debt instruments	47,752,595,000	68,520,799,000	34,885,631,000
Equity instruments	2,020,610,000	1,818,276,000	2,029,470,000
Derivatives	20,797,460,000	25,504,051,000	18,480,968,000
Derivatives	20,797,460,000		20,105,802,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	870,162,000
Loans and advance to clients	392,455,000	60,808,000
Equity instruments	477,707,000	438,912,000	171,453,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	101,241,787,000	109,740,387,000	96,120,233,000
Debt instruments	101,212,600,000	109,668,214,000	95,962,927,000
Equity instruments	29,187,000	72,173,000	157,306,000
Equity instruments	342,463,000	743,463,000	339,932,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading	36,952,567,000	75,020,184,000	44,439,835,000
Trading derivatives	24,172,008,000		22,229,017,000
Short positions	12,780,559,000	45,807,946,000	23,835,653,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss	7,459,784,000	7,038,467,000	5,319,416,000
Other financial liabilities	7,459,784,000	7,038,467,000	5,319,416,000
Hedging derivatives (liabilities)	446,973,000	144,594,000	200,961,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	70,570,665,000	95,843,126,000	55,396,069,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading		98,466,232,000
Derivatives		28,127,157,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	870,162,000	499,720,000	171,453,000
Loans and advance to clients		438,912,000
Loans and advance to clients	392,455,000	60,808,000
Equity instruments		72,173,000
Trading derivatives		31,835,344,000
Short positions		45,807,947,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss		7,038,467,000
Debt instruments			3,735,075,000
Equity instruments	29,187,000	72,173,000	157,306,000
Hedging derivatives (assets)			46,064,670,000
Short positions			23,835,653,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss			5,319,416,000
Level 1 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	601,204,000	588,778,000	975,393,000
Debt instruments	601,204,000	588,778,000
Balances with The Brazilian Central Bank
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	49,462,429,000
Debt instruments	47,582,871,000	68,461,854,000	33,028,333,000
Equity instruments	1,879,558,000	1,678,108,000	2,029,470,000
Derivatives
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss
Loans and advance to clients
Equity instruments			143,077,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	98,977,403,000	106,456,132,000	93,555,527,000
Debt instruments	98,975,973,000	106,454,645,000	93,531,617,000
Equity instruments	1,430,000
Equity instruments
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading
Trading derivatives
Short positions
Financial Liabilities Measured At Fair Value Through Profit Or Loss
Other financial liabilities
Hedging derivatives (liabilities)
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading		70,139,962,000	35,057,803,000
Derivatives
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss			143,077,000
Loans and advance to clients
Equity instruments		1,487,000
Trading derivatives
Short positions
Financial Liabilities Measured At Fair Value Through Profit Or Loss
Debt instruments			975,393,000
Equity instruments			23,910,000
Hedging derivatives (assets)
Short positions
Financial Liabilities Measured At Fair Value Through Profit Or Loss
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	15,736,825,000	57,354,806,000
Debt instruments
Balances with The Brazilian Central Bank	15,736,825,000	57,354,806,000	28,607,230,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	20,608,008,000
Debt instruments	19,329,000	11,848,000	1,726,441,000
Equity instruments	85,029,000	128,251,000
Derivatives	20,503,650,000		19,521,111,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	420,898,000
Loans and advance to clients	98,921,000
Equity instruments	321,977,000		627,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	1,662,779,000	1,987,234,000	1,612,741,000
Debt instruments	1,649,925,000	1,953,504,000	1,612,741,000
Equity instruments	12,854,000
Equity instruments	342,463,000	743,463,000	339,932,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading	36,484,135,000	76,890,170,000
Trading derivatives	23,703,576,000
Short positions	12,780,559,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss	7,459,784,000
Other financial liabilities	7,459,784,000	7,038,467,000
Hedging derivatives (liabilities)	446,973,000	144,594,000	200,961,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading		27,508,722,000	21,247,552,000
Derivatives		27,368,623,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss		217,569,000	627,000
Loans and advance to clients		185,790,000
Loans and advance to clients		31,779,000
Equity instruments		33,730,000
Trading derivatives		31,082,223,000
Short positions		45,807,947,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss		7,038,467,000
Debt instruments			132,277,000
Level 3 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	2,520,813,000	2,956,882,000	2,627,405,000
Debt instruments	2,520,813,000	2,956,882,000
Balances with The Brazilian Central Bank
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	500,228,000
Debt instruments	150,395,000	47,097,000	130,857,000
Equity instruments	56,023,000	11,917,000
Derivatives	93,810,000		584,691,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	449,264,000
Loans and advance to clients	378,786,000
Equity instruments	70,478,000		27,749,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	601,605,000	1,297,021,000	951,966,000
Debt instruments	586,702,000	1,260,065,000	818,569,000
Equity instruments	14,903,000
Equity instruments
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading	468,432,000	753,121,000
Trading derivatives	468,432,000		564,757,000
Short positions
Financial Liabilities Measured At Fair Value Through Profit Or Loss
Other financial liabilities
Hedging derivatives (liabilities)
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading		817,548,000	715,548,000
Derivatives		758,534,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss		282,151,000
Loans and advance to clients		253,122,000
Loans and advance to clients		29,029,000
Equity instruments		36,956,000
Trading derivatives		753,121,000
Short positions
Financial Liabilities Measured At Fair Value Through Profit Or Loss
Debt instruments			2,627,405,000
Equity instruments			133,397,000
Hedging derivatives (assets)			564,757,000
Short positions
Financial Liabilities Measured At Fair Value Through Profit Or Loss			R$ 1600000000

Fair value hierarchy (Details)

Fair value hierarchy (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
IfrsStatementLineItems [Line Items]
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading	R$ 36952567	R$ 75020184	R$ 44439835
At fair value [member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	2,520,813	2,956,882
Financial Assets Measured At Fair Value Through Profit Or Loss			2,627,405	R$ 510887
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	462,156	817,548
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading			715,548	1,370,270
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	449,264	282,151
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss			27,749	154,947
Financial Assets Measured At Fair Value Through Other Comprehensive Income	601,604	1,297,021
Financial Assets Measured At Fair Value Through Other Comprehensive Income			951,966	709,956
Financial Liabilities Measured At Fair Value Through Profit Or Loss	433,583	753,121
Financial Liabilities Measured At Fair Value Through Profit Or Loss			564,757
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading			1,600,000	R$ 641458
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading
Gains Losses Realized Not Realized [Member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	99,401	83,832	290,773
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	(802,760)	502,596	238,632
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	78,853	100,091	(101,541)
Financial Assets Measured At Fair Value Through Other Comprehensive Income	(268,095)	(21,677)	253,803
Financial Liabilities Measured At Fair Value Through Profit Or Loss	(337,847)	500,159
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading			190,813
Transfers In And Or Out Of Level 3 [Member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss		(239,512)	1,700,499
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	(36,051)	(231,468)	(1,031,076)
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss		125,282
Financial Assets Measured At Fair Value Through Other Comprehensive Income		(197,098)	291
Financial Liabilities Measured At Fair Value Through Profit Or Loss	(137,963)	(406,971)	(586,346)
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading
Additions Settled [Member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	(535,470)	485,157	125,246
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	483,419	(169,128)	137,722
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	88,260	29,029	(25,657)
Financial Assets Measured At Fair Value Through Other Comprehensive Income	(427,322)	563,830	(12,084)
Financial Liabilities Measured At Fair Value Through Profit Or Loss	R$ 156272	95,176	R$ 318832
Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading		R$ 1600000

Comparison of the carrying amou

Comparison of the carrying amounts of the Bank's financial assets measured at other than fair value and their respective fair values (Details) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Amortized Cost	R$ 464451587000	R$ 393707229000	R$ 326699480000
Level 1 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil	16,657,201,000	20,148,725,000
Financial Assets Measured At Amortized Cost
Loans and amounts due from credit institutions
Loans and advances to customers
Debt instruments	28,472,612,000	4,425,723,000	5,378,791,000
Total	45,129,813,000	24,574,448,000	5,378,791,000
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil			15,249,515,000
Financial Assets Measured At Amortized Cost
Loans and amounts due from credit institutions	73,308,279,000	59,492,738,000	109,233,128,000
Loans and advances to customers	6,044,808,000	4,530,041,000
Debt instruments	12,124,154,000	17,486,057,000	7,858,612,000
Total	91,477,241,000	81,508,836,000	132,341,255,000
Level 3 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil
Financial Assets Measured At Amortized Cost
Loans and amounts due from credit institutions	22,356,475,000	53,357,038,000
Loans and advances to customers	454,480,941,000	392,348,278,000	327,278,243,000
Debt instruments	33,477,329,000	28,052,167,000	26,440,789,000
Total	510,314,745,000	473,757,483,000	353,719,032,000
Carrying amount [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil	16,657,201,000	20,148,725,000	15,249,515,000
Financial Assets Measured At Amortized Cost
Loans and amounts due from credit institutions	95,664,754,000	112,849,776,000	109,233,128,000
Loans and advances to customers	464,451,587,000	393,707,229,000	326,699,480,000
Debt instruments	73,125,011,000	48,367,791,000	38,748,296,000
Total	649,898,553,000	575,073,521,000	489,930,419,000
Fair Value [Member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil	16,657,201,000	20,148,725,000	15,249,515,000
Financial Assets Measured At Amortized Cost
Loans and amounts due from credit institutions	95,664,754,000	112,849,776,000	109,233,128,000
Loans and advances to customers	460,525,749,000	396,878,319,000	327,278,243,000
Debt instruments	74,074,095,000	49,963,947,000	39,678,192,000
Total	R$ 646921799000	R$ 579840767000	R$ 491439078000

Comparison of the carrying am_2

Comparison of the carrying amounts of the Bank's financial liabilities measured at other than fair value and their respective fair values (Details) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Level 1 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions
Customer deposits
Marketable debt securities
Debt instruments Eligible Capital
Other financial liabilities
Total
Subordinated Debt
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	26,200,162,000	58,579,090,000	99,271,415,000
Customer deposits	60,911,279,000	55,096,002,000	336,593,455,000
Marketable debt securities			10,205,065,000
Debt instruments Eligible Capital
Other financial liabilities
Total	87,111,441,000	113,675,092,000	456,245,896,000
Subordinated Debt			10,175,961,000
Level 3 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	94,805,747,000	73,075,341,000
Customer deposits	408,049,671,000	390,760,088,000
Marketable debt securities	79,035,644,000	57,265,307,000	63,684,284,000
Debt instruments Eligible Capital	19,641,408,000
Other financial liabilities	61,448,516,000	59,822,683,000	55,565,954,000
Total	662,980,986,000	594,043,080,000	119,250,238,000
Subordinated Debt		13,119,660,000
Carrying amount [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	121,005,909,000	131,656,962,000	99,271,415,000
Customer deposits	468,961,069,000	445,813,972,000	336,514,597,000
Marketable debt securities	79,036,792,000	56,875,514,000	73,702,474,000
Debt instruments Eligible Capital	19,641,408,000
Other financial liabilities	61,448,516,000	59,822,683,000	55,565,954,000
Total	750,093,694,000	707,288,791,000	575,230,401,000
Subordinated Debt		13,119,660,000	10,175,961,000
Fair Value [Member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	121,005,909,000	131,654,431,000	99,271,415,000
Customer deposits	468,960,950,000	445,856,090,000	336,593,455,000
Marketable debt securities	79,035,644,000	57,265,307,000	73,889,348,000
Debt instruments Eligible Capital	19,641,408,000
Other financial liabilities	61,448,516,000	59,822,683,000	55,565,954,000
Total	R$ 750092427000	707,718,171,000	575,496,132,000
Subordinated Debt		R$ 13119660000	R$ 10175961000

Fair value of financial asset_3

Fair value of financial assets and liabilities (Details Narrative)	Dec. 31, 2020BRL (R$)
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Customer deposit	R$ 390760088

Financial Conglomerate (Details

Financial Conglomerate (Details)	Dec. 31, 2021BRL (R$)	Dec. 31, 2020BRL (R$)	Dec. 31, 2019BRL (R$)
Operational Ratios
Tier I Regulatory Capital	R$ 76969.9	R$ 77571.5	R$ 66481.7
Principal Capital	69,919.9	71,006.3	61,389.5
Supplementary Capital	7,050.1	6,565.2	5,092.2
Tier II Regulatory Capital	12,591.3	6,554.5	5,083.8
Regulatory Capital (Tier I and II)	89,561.3	84,126	71,565.5
Credit Risk	527,119.3	478,303.5	407,786.2
Market Risk	15,122.2	15,846.3	20,235.2
Operational Risk	58,499.8	57,419.4	47,965.5
Total RWA	R$ 600741.3	R$ 551569.2	R$ 475986.9
Basel I Ratio	12.81	14.06	13.97
Basel Principal Capital	11.64	12.87	12.90
Basel Regulatory Capital	14.91	15.25	15.04

The breakdown of the main items

The breakdown of the main items of interest and similar charges accrued in 2021, 2020 and 2019 is as follows: (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash and balances with the Brazilian Central Bank		R$ 2581083	R$ 1552121	R$ 3827648
Loans and advances - Credit institutions		5,190,799	1,518,557	3,843,798
Loans and advances - Customers		49,537,564	44,103,997	50,406,078
Debt instruments		19,041,947	13,556,403	13,528,096
Pension Plans		19,613	16,720	27,353
Other interest		1,616,302	2,027,142	1,208,087
Total		77,987,308	62,774,940	72,841,060
Credit institutions deposits		(4,712,388)	(4,327,276)	(4,866,357)
Customer deposits		(13,187,967)	(7,504,276)	(14,965,958)
Marketable debt securities and subordinated liabilities:
Marketable debt securities (note 18)		(4,536,849)	(2,785,942)	(5,138,306)
Debt Instruments Eligible to Compose Capital (note 19)		(955,199)	(909,393)	(503,541)
Pension Plans		248,312	301,389	342,068
Other interest	[1]	3,028,127	2,503,953	2,703,723
Total		R$ 26668842	R$ 18332228	R$ 28519953
[1]	It is mainly composed of Expenses with Interest on Repo Agreements

Breakdown of the balance of thi

Breakdown of the balance of this item (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income From Equity Instruments
Financial Assets Measured At Fair Value Through Profit Or Loss	R$ 89563	R$ 30232	R$ 13398
Financial Assets Measured At Fair Value Through Other Comprehensive Income	477	3,522	5,535
Total	R$ 90040	R$ 33754	R$ 18933

The breakdown of the balance _4

The breakdown of the balance of this item is as follows (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Collection and payment services:
Bills	R$ 1163616	R$ 1083262	R$ 1143229
Demand accounts	2,664,586	2,425,416	2,554,559
Cards (Credit and Debit) and Acquiring Services	5,338,649	6,009,780	6,620,708
Checks and other	127,509	138,483	188,249
Orders	695,293	856,723	720,521
Total	9,989,653	10,513,664	11,227,266
Marketing of non-Banking financial products:
Investment funds	731,817	450,940	725,494
Insurance	3,566,596	3,134,723	3,120,471
Capitalization plans	711,351	634,775	829,852
Total	5,009,764	4,220,438	4,675,817
Securities services:
Securities underwriting and placement	935,464	695,978	721,793
Securities trading	318,590	281,686	186,847
Administration and custody	647,054	495,457	401,310
Asset management	987	1,144	2,291
Total	1,902,095	1,474,265	1,312,241
Other:
Foreign exchange	1,512,326	1,450,636	968,270
Financial guarantees	838,790	728,232	650,241
Other fees and commissions	1,135,461	2,219,472	1,558,623
Total	3,486,577	4,398,340	3,177,134
Total	R$ 20388089	R$ 20606707	R$ 20392458

Amount of all fees and commissi

Amount of all fees and commissions paid or payable in the year (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fee And Commission Expense
Brokerage fee expense	[1]	R$ 2743339	R$ 2685005	R$ 3639239
Other fees and commissions		2,371,449	1,693,488	1,040,066
Total		R$ 5114788	R$ 4378493	R$ 4679306
[1]	Composed, mainly, by credit cards.

The breakdown of the balance _5

The breakdown of the balance of this item, by type of instrument, is as follows: (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Gains Or Losses On Financial Assets And Liabilities
Financial Assets Measured At Fair Value Through Profit Or Loss		R$ 1555837	R$ 711949	R$ 252253
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	[1]	3,519,626	12,122,794	2,391,080
Non-Tranding Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss		205,016	172,828	11,501
Financial Assets Not Measured At Fair Value Through Profit Or Loss		(665,853)	(239,054)	(57,522)
Financial Assets available-for-sale
Debt instruments		(432,510)	(207,011)	(46,136)
Equity instruments		(233,344)	(32,043)	(11,386)
Financial Assets Measured At Fair Value Through Other Comprehensive Income
Gains or losses from hedge accounting, net		(4,392,844)	229,543	(134,767)
Total		R$ 221782	R$ 12998060	R$ 2462545
[1]	Includes the exchange hedge of the Bank’s interest in Cayman (note 23).

foreign currency at the time of

foreign currency at the time of their disposal. (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Exchange Differences
Revenue with Exchange variations	R$ 196480319	R$ 78578786	R$ 23622963
Expenses with Exchange Variations	(198,482,605)	(103,279,748)	(26,411,500)
Total	R$ 2002286	R$ 24700962	R$ 2788537

he breakdown of "Other operatin

he breakdown of "Other operating income (expense)" is as follows: (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Operating Income And Expenses
Other operating income	R$ 914084	R$ 792639	R$ 591125
Other operating expense	(1,559,663)	(1,237,133)	(1,351,568)
Contributions to fund guarantee of credit - FGC	(473,801)	(428,016)	(347,276)
Total	R$ 1119380	R$ 872510	R$ 1107719

The breakdown of _Personnel exp

The breakdown of “Personnel expenses” is as follows: (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Wages and salaries	R$ 5905394	R$ 5730779	R$ 5876328
Social security costs	1,153,164	1,222,352	1,276,620
Benefits	1,434,815	1,390,044	1,491,485
Defined benefit pension plans (note 22)	6,415	6,892	10,917
Contributions to defined contribution pension plans	152,156	117,216	131,885
Share-based compensation	24,045	19,348	88,248
Training	54,858	49,037	66,215
Other personnel expenses	294,855	335,814	386,016
Total	R$ 9025702	R$ 8871482	R$ 9327714

Local and Global Program (Detai

Local and Global Program (Details) - Local [Member]	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Santander Actions [Member] | Period One [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2019 to 12/2021
Period of exercise settlements	2022 and 2023
Period balance of plan	R$ 4,216,667	R$ 4,916,667
Santander Actions [Member] | Period Two [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2020 to 12/2022
Period of exercise settlements	2023
Period balance of plan	R$ 3,668,000
Santander Actions [Member] | Period Three [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2020 to 12/2022
Period of exercise settlements	2023 and 2024
Period balance of plan	R$ 2,986,667	R$ 9,440,000
Santander Actions [Member] | Period Four [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2021 to 09/2024
Period of exercise settlements	2024
Period balance of plan	R$ 13,520,000
Santander Actions [Member] | Period Five [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2021 to 12/2023
Period of exercise settlements	2023
Period balance of plan	R$ 1,834,000
Santander Actions [Member] | Period Six [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	07/2019 to 06/2022
Period of exercise settlements	2022
Period balance of plan	111,962	109,677
Santander Actions [Member] | Period Seven [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	09/2020 to 09/2022
Period of exercise settlements	2022
Period balance of plan	301,583	450,738
Santander Actions [Member] | Period Eight [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2020 to 09/2023
Period of exercise settlements	2023
Period balance of plan	249,666	281,031
Santander Actions [Member] | Period Nine [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2021 to 12/2022
Period of exercise settlements	2023
Period balance of plan	177,252
Santander Actions [Member] | Period Ten [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2021 to 12/2023
Period of exercise settlements	2024
Period balance of plan	327,065
Santander Actions [Member] | Period Eleven [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2021 to 01/2024
Period of exercise settlements	2024
Period balance of plan	30,545
Santander Spain Shares And Stock Options [Member] | Period One [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2020 to 12/2022
Period of exercise settlements	2023
Period balance of plan	309,576	318,478
Santander Spain Shares And Stock Options [Member] | Period Two [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2020 to 12/2022
Period of exercise settlements	2023, with limit for options' exercise until 2030
Period balance of plan	1,618,445	1,664,983
Santander Spain Shares And Stock Options [Member] | Period Three [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2021 to 12/2023
Period of exercise settlements	02/2024
Period balance of plan	135,632
Santander Spain Shares And Stock Options [Member] | Period Four [Member]
IfrsStatementLineItems [Line Items]
Vesting periods	01/2021 to 12/2023
Period of exercise settlements	02/2024, with limit for options' exercise until 02/2029
Period balance of plan	404,630

The impacts on the result are r

The impacts on the result are recorded in the Personnel Expenses item, as follows: (Details) - 01/01 to 12/31/2020 [Member] - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Local [Member] | Santander Brasil Bank Shares [Member]
IfrsStatementLineItems [Line Items]
Impact on Results - Personnel Expenses	R$ 20720	R$ 10776
Global [Member] | Santander Spain Shares and Options [Member]
IfrsStatementLineItems [Line Items]
Impact on Results - Personnel Expenses	R$ 3534
ImpactResultsPersonnelExpenses		R$ 846

Variable Remuneration Reference

Variable Remuneration Referenced to Shares (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Collective Identified [Member]
IfrsStatementLineItems [Line Items]
Participant	Members of the Executive Committee, Statutory Officers and other executives who assume significant and responsible risks of control areas
Liquidity Type	50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11)
Collective Identified [Member] | 01/01 to 12/31/2020 [Member]
IfrsStatementLineItems [Line Items]
Remuneration	R$ 63658	R$ 103696
Other Employees [Member]
IfrsStatementLineItems [Line Items]
Participant	Superintendence level employees and other employees with variable remuneration above a minimum amount established
Liquidity Type	50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11)
Other Employees [Member] | 01/01 to 12/31/2020 [Member]
IfrsStatementLineItems [Line Items]
Remuneration	R$ 111995	R$ 98069

Breakdown - Other administrativ

Breakdown - Other administrative expenses (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Genreal maintenance expenses		R$ 889077	R$ 743580	R$ 748196
Technology maintenance expenses		2,474,348	2,355,310	2,058,619
Advertising		621,425	654,175	712,855
Communications		353,271	648,856	472,873
Per diems and travel expenses		71,840	68,922	140,016
Taxes other than income tax		202,440	280,098	112,012
Surveillance and cash courier services		597,946	594,953	630,585
Insurance premiums		22,374	16,620	34,778
Specialized and technical services		2,184,139	2,171,460	2,172,567
Technical reports		355,343	319,814	360,990
Others specialized and technical services		1,828,795	1,851,646	1,811,577
Other administrative expenses	[1]	873,857	709,504	531,311
Total		R$ 8290717	R$ 8243479	R$ 7613812
[1]	In December 31, 2021, includes mainly Data Processing Expenses in the balance of R$160,716 (2020 – R$176,105 and 2019 - R$67,724), Service Expenses in the balance of R$51,689 (2020 - revenue of R$27,751 and 2019 - R$87,199), Expenses with Benefit Guarantor Fund - FGB R$3,864 (2020 – R$8,478 and 2019 - R$34,996) and Recovery of Charges and Expenses R$378,604 (2020 – R$ 212,850 and 2019 – R$92,408).

Balance of Technical reports (D

Balance of Technical reports (Details) - BRL (R$)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Audit of the annual financial statements of the companies audited by external audit (constant scope of consolidation)	R$ 26.3	R$ 24.0	R$ 25.2
Audit Related	0.2	0.4	0.1
Others	0.4	0	0.3
Total	R$ 26.9	R$ 24.4	R$ 25.6

Other general administrative _3

Other general administrative expenses (Details Narrative) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Approximate value of taxes (audit fees)	R$ 1900000	R$ 1500000	R$ 3600000

Gains (losses) on disposal of a

Gains (losses) on disposal of assets not classified as non-current assets held for sale the breakdown of the balance (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Gains Or Losses On Non-financial Assets And Investments Net
Gains	R$ 45780	R$ 285335	R$ 55709
Tangible and intangible assets	45,780	36,778	55,709
Investments		248,557
Losses	(60,893)	(54,622)	(45,063)
Tangible and intangible assets	32,863	14,517	45,063
Investments	28,030	40,105
Total	R$ 15113	R$ 230713	R$ 10646

Gains (losses) on disposal an_2

Gains (losses) on disposal and expenses of non-current assets held for sale not classified as discontinued operations (Details Narrative) - BRL (R$) R$ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Gains Losses On Disposal And Expenses Of Non-current Assets Held For Sale Not Classified As Discontinued Operations
Reversal of provision for losses in other value and asset	R$ 48	R$ 77
Sale of assets received in the credit recovery processes with customers	101	R$ 24
Sale of assets received in the recovery of credits with clients	R$ 49		R$ 16
Constitution of a provision for losses in other values and assets			R$ 34

Maximum potential amount of fut

Maximum potential amount of future payments (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Disclosures
Guarantees and other sureties		R$ 49391839	R$ 45930486	R$ 41870332
Financial guarantees		33,192,559	32,477,336	29,397,344
Performance guarantees		1,167,603	989,979	1,009,367
Financial letters of credit		14,990,887	12,407,888	11,387,788
Other		40,790	55,283	75,833
Other contingent exposures		4,028,516	2,351,530	2,442,235
Documentary Credits		4,028,516	2,351,530	2,442,235
Total Contingent Liabilities		53,420,355	48,282,016	44,312,567
Commitments
Loan commitments drawable by third parties	[1]	145,958,258	131,706,433	125,876,671
Total Commitments		145,958,258	131,706,433	125,876,671
Total		R$ 199378613	R$ 179988449	R$ 170189238
[1]	Includes the approved limits and unused overdraft, credit card and others.

The funds managed by Banco Sant

The funds managed by Banco Santander not recorded in the balance sheet are as follows: (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Disclosures
Funds under management	R$ 2770684	R$ 2716477	R$ 2034999
Managed Funds	192,927,475	191,873,169	230,199,261
Total	R$ 195698159	R$ 194589646	R$ 232234260

The breakdown, by maturity, of

The breakdown, by maturity, of the balances of certain items in the consolidated balance sheets is as follows: (Details) - BRL (R$)		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Cash and balances with the Brazilian Central Bank		R$ 16657201000	R$ 20148725000	R$ 20127364000
Debt instruments		225,212,223,000	230,102,464,000	173,331,929,000
Equity instruments		2,527,504,000	2,329,361,000	2,358,229,000
Loans and amounts due from credit institutions		95,664,754,000	112,849,776,000	109,233,128,000
Loans and advances to customers		464,844,042,000	393,768,036,000	326,699,480,000
Derivatives		21,139,923,000	26,247,514,000	18,820,900,000
Total		826,045,647,000	785,445,876,000	650,571,030,000
Deposits from credit institutions		121,005,909,000	131,656,962,000	99,271,415,000
Customer deposits		468,961,069,000	445,813,972,000	336,514,597,000	[1]
Marketable debt securities		79,036,792,000	56,875,514,000	73,702,474,000	[1]
Debt Instruments Eligible to Compose Capital	[2]	19,641,408,000	13,119,660,000	10,175,961,000
Other financial liabilities		61,448,516,000	59,822,683,000	55,565,954,000
Short positions		12,780,559,000	45,807,946,000	23,835,653,000
Derivatives		24,618,981,000	29,356,832,000	20,805,143,000
Total		794,953,018,000	782,453,569,000	621,496,030,000
Difference (assets less liabilities)		31,092,629,000	2,992,307,000	30,699,834,000
On demand [member]
IfrsStatementLineItems [Line Items]
Cash and balances with the Brazilian Central Bank		15,430,680,000	7,373,662,000	6,549,535,000
Debt instruments		1,612,213,000	432,579,000	7,747,516,000
Equity instruments
Loans and amounts due from credit institutions		80,355,763,000	57,722,384,000	69,135,371,000
Loans and advances to customers		70,399,332,000	29,385,631,000	9,451,762,000
Derivatives				6,806,370,000
Total		167,797,988,000	94,914,256,000	99,690,554,000
Deposits from credit institutions		10,052,363,000		390,626,000
Customer deposits		86,051,583,000	85,433,287,000	69,048,756,000
Marketable debt securities
Debt Instruments Eligible to Compose Capital
Other financial liabilities		3,935,498,000	23,352,000	10,334,000
Short positions
Derivatives		641,571,000		6,776,746,000
Total		100,681,015,000	85,456,639,000	76,226,462,000
Difference (assets less liabilities)		67,116,973,000	9,457,617,000	23,464,093,000
Later than one month and not later than two months [member]
IfrsStatementLineItems [Line Items]
Cash and balances with the Brazilian Central Bank		1,226,521,000	12,775,063,000	13,577,829,000
Debt instruments		119,780,229,000	13,195,527,000	1,174,094,000
Equity instruments
Loans and amounts due from credit institutions		2,717,359,000	2,777,562,000	1,943,291,000
Loans and advances to customers		82,203,458,000	80,281,579,000	84,839,695,000
Derivatives		8,667,809,000	14,558,434,000	1,893,308,000
Total		214,595,376,000	123,588,165,000	103,428,217,000
Deposits from credit institutions		60,636,478,000	83,922,876,000	16,584,181,000
Customer deposits		79,687,549,000	139,191,140,000	130,872,214,000
Marketable debt securities		28,052,200,000	8,815,410,000	10,675,356,000
Debt Instruments Eligible to Compose Capital		5,552,801,000	220,425,000	170,939,000
Other financial liabilities		10,732,613,000	21,858,532,000	24,360,724,000
Short positions		12,780,559,000	45,807,946,000	4,748,545,000
Derivatives		7,239,697,000	2,046,924,000	4,345,286,000
Total		204,681,897,000	301,863,252,000	191,757,244,000
Difference (assets less liabilities)		9,913,479,000	(178,275,087,000)	(88,329,028,000)
Later than three months and not later than one year [member]
IfrsStatementLineItems [Line Items]
Cash and balances with the Brazilian Central Bank
Debt instruments		20,352,554,000	33,903,698,000	22,926,088,000
Equity instruments
Loans and amounts due from credit institutions		1,748,733,000	36,783,150,000	21,064,571,000
Loans and advances to customers		84,986,074,000	93,750,065,000	43,180,508,000
Derivatives		2,836,098,000	1,994,418,000	2,649,730,000
Total		109,923,459,000	166,431,331,000	89,820,897,000
Deposits from credit institutions		39,748,331,000	43,315,412,000	49,097,816,000
Customer deposits		56,178,087,000	121,804,752,000	76,244,908,000
Marketable debt securities		5,038,906,000	18,736,230,000	695,071,000
Debt Instruments Eligible to Compose Capital
Other financial liabilities		19,132,399,000	20,730,398,000	14,509,911,000
Short positions				1,554,274,000
Derivatives		2,503,888,000	1,973,701,000	406,383,000
Total		122,601,611,000	206,560,493,000	142,508,362,000
Difference (assets less liabilities)		(12,678,152,000)	(40,129,162,000)	(52,687,465,000)
Later than one year and not later than three years [member]
IfrsStatementLineItems [Line Items]
Cash and balances with the Brazilian Central Bank
Debt instruments		5,834,524,000	64,225,680,000	45,058,398,000
Equity instruments
Loans and amounts due from credit institutions		10,827,639,000	15,155,444,000	14,525,161,000
Loans and advances to customers		152,608,938,000	98,550,271,000	89,624,089,000
Derivatives		1,645,538,000	4,103,735,000	1,921,248,000
Total		170,916,639,000	182,035,130,000	151,128,896,000
Deposits from credit institutions		6,681,493,000	3,764,159,000	25,655,631,000
Customer deposits		163,641,875,000	62,768,886,000	43,395,748,000
Marketable debt securities		35,844,265,000	28,158,133,000	37,268,809,000
Debt Instruments Eligible to Compose Capital		14,088,607,000	12,899,235,000	10,005,022,000
Other financial liabilities		35,107,790,000	17,203,162,000	16,678,725,000
Short positions				1,256,416,000
Derivatives		9,117,265,000	5,387,607,000	3,071,989,000
Total		264,481,295,000	130,181,182,000	137,332,340,000
Difference (assets less liabilities)		(93,564,656,000)	51,853,948,000	13,796,556,000
Later than three years and not later than five years [member]
IfrsStatementLineItems [Line Items]
Cash and balances with the Brazilian Central Bank
Debt instruments		38,904,369,000	70,182,705,000	35,118,355,000
Equity instruments
Loans and amounts due from credit institutions		15,057,000	363,135,000	2,411,265,000
Loans and advances to customers		31,902,231,000	47,160,700,000	34,092,967,000
Derivatives		5,989,792,000	1,869,509,000	1,950,678,000
Total		76,811,449,000	119,576,049,000	73,573,264,000
Deposits from credit institutions		1,656,909,000		4,877,076,000
Customer deposits		83,326,774,000	36,578,335,000	16,923,318,000
Marketable debt securities		9,341,229,000	747,340,000	3,900,484,000
Debt Instruments Eligible to Compose Capital
Other financial liabilities			4,787,000	4,717,000
Short positions				3,747,700,000
Derivatives		3,773,251,000	7,744,145,000	2,502,040,000
Total		98,098,163,000	45,074,607,000	31,955,334,000
Difference (assets less liabilities)		(21,286,714,000)	74,501,441,000	41,617,931,000
Later than five years [member]
IfrsStatementLineItems [Line Items]
Cash and balances with the Brazilian Central Bank
Debt instruments		38,728,334,000	48,162,275,000	61,307,478,000
Equity instruments		2,527,504,000	2,329,361,000	2,358,229,000
Loans and amounts due from credit institutions		203,000	48,101,000	153,469,000
Loans and advances to customers		42,744,009,000	44,639,790,000	65,510,459,000
Derivatives		2,000,686,000	3,721,418,000	3,599,566,000
Total		86,000,736,000	98,900,945,000	132,929,201,000
Deposits from credit institutions		2,230,335,000	654,516,000	2,666,086,000
Customer deposits		75,201,000	37,572,000	29,654,000
Marketable debt securities		760,192,000	418,401,000	21,162,755,000
Debt Instruments Eligible to Compose Capital
Other financial liabilities			2,452,000	1,543,000
Short positions				12,528,718,000
Derivatives		1,343,309,000	12,204,455,000	3,702,699,000
Total		4,409,037,000	13,317,396,000	40,091,454,000
Difference (assets less liabilities)		R$ 81591699000	R$ 85583548000	R$ 92837747000
[1]	Includes obligations which may be subject to early payment, being: demand and time deposits, repurchase agreements with clients, LCI and LCA.
[2]	Letras Financeiras issued in November 2021 have a redemption and repurchase option.

The main foreign currency balan

The main foreign currency balances in the consolidated financial statements, based on the nature of the related items, are as follows: (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets1Member
IfrsStatementLineItems [Line Items]
Cash and reserves at the Central Bank of Brazil	R$ 10851016	R$ 15835124	R$ 15359225
Financial ssets/liabilities measured at fair value through profit or loss held for trading	2,587,588	27,012,315	3,349,879
Financial assets measured at fair value through other comprehensive income	17,102,273	17,062,156	20,386,034
Financial assets/liabilities measured at amortized cost	70,283,097	52,002,476	68,996,884
Total	100,823,974	111,912,070	108,092,022
Liabilities1Member
IfrsStatementLineItems [Line Items]
Cash and reserves at the Central Bank of Brazil
Financial ssets/liabilities measured at fair value through profit or loss held for trading	21,784,041	7,867,168	3,210,360
Financial assets measured at fair value through other comprehensive income
Financial assets/liabilities measured at amortized cost	86,184,330	118,142,613	44,140,284
Total	R$ 107968371	R$ 126009781	R$ 47350644

The total of the future minimum

The total of the future minimum payments of non-cancellable operating leases is shown below: (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Disclosures
Up to 1 Year	R$ 715576	R$ 670619	R$ 651207
Between1 to 5 Years	1,420,853	1,607,995	1,492,289
More than 5 Years	181,417	171,420	147,125
Total	R$ 2317846	R$ 2450034	R$ 2290621

Prospectus for loss estimation

Prospectus for loss estimation (Details)	Dec. 31, 2021
Pessimistic Scenario [Member] | 2020 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	7.30%
Unemployment Rate	14.40%
Housing Price Change	9.00%
GDP Growth	5.60%
Income Commitment	31.70%
Pessimistic Scenario [Member] | 2021 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	14.30%
Unemployment Rate	16.30%
Housing Price Change	2.20%
GDP Growth	(3.50%)
Income Commitment	38.20%
Pessimistic Scenario [Member] | 2022 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	13.00%
Unemployment Rate	18.20%
Housing Price Change	2.20%
GDP Growth	(2.00%)
Income Commitment	38.90%
Pessimistic Scenario [Member] | 2023 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	13.00%
Unemployment Rate	18.50%
Housing Price Change	2.10%
GDP Growth	0.20%
Income Commitment	39.10%
Pessimistic Scenario [Member] | 2024 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	13.00%
Unemployment Rate	18.20%
Housing Price Change	2.00%
GDP Growth	0.20%
Income Commitment	38.90%
Base Scenario [Member] | 2020 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	7.30%
Unemployment Rate	14.40%
Housing Price Change	9.00%
GDP Growth	5.60%
Income Commitment	31.70%
Base Scenario [Member] | 2021 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	7.30%
Unemployment Rate	13.80%
Housing Price Change	9.20%
GDP Growth	2.70%
Income Commitment	32.70%
Base Scenario [Member] | 2022 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	6.50%
Unemployment Rate	12.90%
Housing Price Change	9.00%
GDP Growth	2.20%
Income Commitment	34.60%
Base Scenario [Member] | 2023 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	6.50%
Unemployment Rate	12.10%
Housing Price Change	8.60%
GDP Growth	2.00%
Income Commitment	35.10%
Base Scenario [Member] | 2024 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	6.50%
Unemployment Rate	11.30%
Housing Price Change	8.30%
GDP Growth	2.00%
Income Commitment	35.60%
Optimistic Scenario [Member] | 2020 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	7.30%
Unemployment Rate	14.40%
Housing Price Change	9.00%
GDP Growth	5.60%
Income Commitment	31.70%
Optimistic Scenario [Member] | 2021 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	5.50%
Unemployment Rate	11.40%
Housing Price Change	13.80%
GDP Growth	6.50%
Income Commitment	29.10%
Optimistic Scenario [Member] | 2022 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	5.50%
Unemployment Rate	9.10%
Housing Price Change	13.40%
GDP Growth	4.00%
Burden Income	29.20%
Optimistic Scenario [Member] | 2023 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	4.00%
Unemployment Rate	8.50%
Housing Price Change	12.90%
GDP Growth	4.00%
Income Commitment	29.30%
Optimistic Scenario [Member] | 2024 [Member]
IfrsStatementLineItems [Line Items]
Interest Rate	4.00%
Unemployment Rate	7.90%
Housing Price Change	12.50%
GDP Growth	4.00%
Burden Income	29.10%

Macroeconomic scenario (Details

Macroeconomic scenario (Details)	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other Disclosures
Pessimistic Scenarios	10.00%	10.00%	10.00%
Base Scenarios	80.00%	80.00%	80.00%
Optimistic Scenarios	10.00%	10.00%	10.00%

Other disclosures (Details Narr

Other disclosures (Details Narrative) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Disclosures
Deferred Revenues For The Premium Received For Providing Guarantees	R$ 382255	R$ 356226	R$ 285218
Third-party securities held in custody	37,998,502	35,519,498	27,283,548
Non-cancellable operating leases contracts with indeterminate mature	801	880	918
Payment of operating leases recognized as expenses	R$ 369482	R$ 358656	R$ 700958

Income statements and other sig

Income statements and other significant data (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
NET INTEREST INCOME		R$ 51318466	R$ 44442712	R$ 44321107
Income from equity instruments		90,040	33,754	18,933
Income from companies accounted for by the equity method		144,184
Net fee and commission income		15,273,301	16,228,214	15,713,152
Gains (losses) on financial assets and liabilities (net) and Exchange differences (net)	[1]	(1,780,504)	(11,702,902)	(325,992)
Other operating expense (net)		(1,119,380)	(872,510)	1,107,720
TOTAL INCOME		63,926,107	48,241,529	58,768,968
Personnel expenses		(9,025,702)	(8,871,482)	9,327,714
Other administrative expenses		(8,290,717)
Depreciation and amortization		(2,433,921)	(2,579,127)	(2,391,857)
Provisions (net)		(2,179,417)	(1,656,546)	3,681,586
Impairment losses on financial assets (net)		(17,112,734)	(17,450,189)	(13,369,906)
Impairment losses on non-financial assets (net)		(165,799)	(84,907)	131,435
Other non-financial gains (losses)		32,512	308,176	20,489
OPERATING PROFIT BEFORE TAX	[1]	24,750,329	9,663,975	22,273,147
Currency Hedge	[1]	2,511,980
ADJUSTED OPERATING INCOME BEFORE TAX	[1]	27,262,309
NET INTEREST INCOME			44,442,713
Income from companies accounted for by the equity method			112,261
Other administrative expenses		(8,290,717)	(8,243,478)	(7,613,812)
Currency Hedge	[1]		13,583,011
ADJUSTED OPERATING INCOME BEFORE TAX	[1]		23,246,986
Income from companies accounted for by the equity method				149,488
Other operating expense (net)		1,119,380	872,510	(1,107,720)
Personnel expenses		9,025,702	8,871,482	(9,327,714)
Other administrative expenses				(7,613,812)
Provisions (net)		2,179,417	1,656,546	(3,681,586)
Impairment losses on non-financial assets (net)		165,799	84,907	(131,435)
Currency Hedge	[1]			1,264,279
ADJUSTED OPERATING INCOME BEFORE TAX	[1]			23,537,426
Condensed Income Statement Commercial Banking [Member]
IfrsStatementLineItems [Line Items]
NET INTEREST INCOME		46,236,026		42,043,774
Income from equity instruments		10,216	3,617	4,864
Income from companies accounted for by the equity method		105,403
Net fee and commission income		13,285,099	14,405,280	13,923,272
Gains (losses) on financial assets and liabilities (net) and Exchange differences (net)	[1]	(1,433,236)	(13,515,305)	(1,541,343)
Other operating expense (net)		(974,391)	(767,088)	1,069,052
TOTAL INCOME		57,229,117	41,667,906	53,511,003
Personnel expenses		(8,220,544)	(8,139,785)	8,554,254
Other administrative expenses		(7,697,346)
Depreciation and amortization		(2,342,639)	(2,488,517)	(2,297,010)
Provisions (net)		(2,176,774)	(1,638,787)	3,668,709
Impairment losses on financial assets (net)		(17,169,630)	(17,379,570)	(13,423,361)
Impairment losses on non-financial assets (net)		(163,935)	(28,403)	73,216
Other non-financial gains (losses)		32,512	308,176	20,489
OPERATING PROFIT BEFORE TAX	[1]	19,490,761	4,666,350	18,375,114
Currency Hedge	[1]	2,511,980
ADJUSTED OPERATING INCOME BEFORE TAX	[1]	22,002,741
NET INTEREST INCOME			41,457,352
Income from companies accounted for by the equity method			84,051
Other administrative expenses			(7,634,670)
Currency Hedge	[1]		13,583,011
ADJUSTED OPERATING INCOME BEFORE TAX	[1]		18,249,361
Income from companies accounted for by the equity method				149,488
Other operating expense (net)		974,391	767,088	(1,069,052)
Personnel expenses		8,220,544	8,139,785	(8,554,254)
Other administrative expenses				(7,139,828)
Provisions (net)		2,176,774	1,638,787	(3,668,709)
Impairment losses on non-financial assets (net)		163,935	28,403	(73,216)
Currency Hedge	[1]			1,264,279
ADJUSTED OPERATING INCOME BEFORE TAX	[1]			19,639,393
Condensed Income Statement Global Wholesale Banking [Member]
IfrsStatementLineItems [Line Items]
NET INTEREST INCOME		5,082,440		2,277,333
Income from equity instruments		79,824	30,137	14,069
Income from companies accounted for by the equity method		38,781
Net fee and commission income		1,988,202	1,822,934	1,789,880
Gains (losses) on financial assets and liabilities (net) and Exchange differences (net)	[1]	(347,268)	1,812,403	1,215,351
Other operating expense (net)		(144,989)	(105,422)	38,668
TOTAL INCOME		6,696,990	6,573,623	5,257,965
Personnel expenses		(805,158)	(731,697)	773,460
Other administrative expenses		(593,371)
Depreciation and amortization		(91,282)	(90,610)	(94,847)
Provisions (net)		(2,643)	(17,759)	12,877
Impairment losses on financial assets (net)		56,896	(70,619)	53,455
Impairment losses on non-financial assets (net)		(1,864)	(56,504)	58,219
Other non-financial gains (losses)
OPERATING PROFIT BEFORE TAX	[1]	5,259,568	4,997,625	3,898,033
Currency Hedge	[1]
ADJUSTED OPERATING INCOME BEFORE TAX	[1]	5,259,568
NET INTEREST INCOME			2,985,361
Income from companies accounted for by the equity method			28,210
Other administrative expenses			(608,808)
Currency Hedge	[1]
ADJUSTED OPERATING INCOME BEFORE TAX	[1]		4,997,625
Income from companies accounted for by the equity method
Other operating expense (net)		144,989	105,422	(38,668)
Personnel expenses		805,158	731,697	(773,460)
Other administrative expenses				(473,984)
Provisions (net)		2,643	17,759	(12,877)
Impairment losses on non-financial assets (net)		R$ 1864	R$ 56504	(58,219)
Currency Hedge	[1]
ADJUSTED OPERATING INCOME BEFORE TAX	[1]			R$ 3898033
[1]	Includes, in the Commercial Bank, the currency hedge of the investment in dollars (a strategy to mitigate the tax effects and the variation of the exchange rate of offshore investments on net income), the result of which is recorded under “on financial assets and liabilities "fully offset in the line of Taxes

Other aggregates (Details)

Other aggregates (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Total assets	R$ 931208396
Loans and advances to customers	464,844,042	R$ 393768037	R$ 326699480
Customer deposits	468,961,069	445,813,972	336,514,597
Total assets	931,208,396	933,578,379	760,612,618
Business Segment Reporting Commercial Banking [Member]
IfrsStatementLineItems [Line Items]
Total assets	838,267,118
Loans and advances to customers	394,086,048	317,553,409	259,644,994
Customer deposits	344,180,608	322,328,033	253,313,187
Total assets		837,339,314	675,514,634
Business Segment Reporting Global Wholesale Banking [Member]
IfrsStatementLineItems [Line Items]
Total assets	92,941,277
Loans and advances to customers	70,757,994	76,214,628	67,054,486
Customer deposits	R$ 124780461	123,485,939	83,201,410
Total assets		R$ 96239065	R$ 85097984

The following table shows the B

The following table shows the Board of Directors’ and Executive Board’s: (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
	R$ 96544	R$ 90889	R$ 89518
	115,627	83,352	70,816
	94,607	81,306	80,832
	67,883	47,832	46,937
	374,661	303,379	288,103
	101,837	98,407	92,704
	109,918	97,729	102,046
	211,755	196,136	194,750
	R$ 586416	R$ 499515	R$ 482853

The table below shows the direc

The table below shows the direct interest (common shares and preferred shares) as of December 31, 2021, 2020 and 2019: (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Sterrebeeck B.V. [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 1809583	R$ 1809583	R$ 1809583
Common Shares (%)	47.40%	47.40%	47.40%
Preferred Shares (thousand)	R$ 1733644	R$ 1733644	R$ 1733644
Preferred Shares (%)	47.10%	47.10%	47.10%
Total Shares (thousand)	R$ 3543227	R$ 3543227	R$ 3543227
Total Shares (%)	47.30%	47.30%	47.30%
Grupo Empresarial Santander S.L. [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 1627891	R$ 1627891	R$ 1107673
Common Shares (%)	42.60%	42.60%	29.00%
Preferred Shares (thousand)	R$ 1539863	R$ 1539863	R$ 1019645
Preferred Shares (%)	41.90%	41.80%	27.70%
Total Shares (thousand)	R$ 3167754	R$ 3167755	R$ 2127318
Total Shares (%)	42.20%	42.20%	28.40%
Banco Santander S.A. [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 2696	R$ 2696	R$ 521964
Common Shares (%)	0.10%	0.10%	13.70%
Preferred Shares (thousand)			R$ 519268
Preferred Shares (%)	0.00%	0.00%	14.10%
Total Shares (thousand)	R$ 2696	R$ 2696	R$ 1041232
Total Shares (%)	0.00%	0.04%	13.90%
Directors [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 4939	R$ 4034	R$ 4525
Common Shares (%)	0.10%	0.10%	0.10%
Preferred Shares (thousand)	R$ 5029	R$ 4034	R$ 4524
Preferred Shares (%)	0.10%	0.10%	0.10%
Total Shares (thousand)	R$ 9968	R$ 8067	R$ 9049
Total Shares (%)	0.10%	0.11%	0.10%
StockholdersOtherMember
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 357831	R$ 353616	R$ 355722
Common Shares (%)	9.40%	9.30%	9.30%
Preferred Shares (thousand)	R$ 385545	R$ 381420	R$ 383519
Preferred Shares (%)	10.50%	10.40%	10.40%
Total Shares (thousand)	R$ 743374	R$ 735036	R$ 739241
Total Shares (%)	9.90%	9.80%	9.90%
Total [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 3802940	R$ 3799866	R$ 3801993
Common Shares (%)	99.60%	99.50%	99.60%
Preferred Shares (thousand)	R$ 3664081	R$ 3661007	R$ 3663133
Preferred Shares (%)	99.60%	99.50%	99.50%
Total Shares (thousand)	R$ 7467019	R$ 7460873	R$ 7465126
Total Shares (%)	99.50%	99.50%	99.60%
Treasury shares [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 15755	R$ 18829	R$ 16702
Common Shares (%)	0.40%	0.50%	0.40%
Preferred Shares (thousand)	R$ 15755	R$ 18829	R$ 16702
Preferred Shares (%)	0.40%	0.50%	0.50%
Total Shares (thousand)	R$ 31510	R$ 37658	R$ 33404
Total Shares (%)	0.50%	0.50%	0.40%
StockholdersTotalIIMember
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 3818695	R$ 3818695
Common Shares (%)	100.00%	100.00%
Preferred Shares (thousand)	R$ 3679836	R$ 3679836
Preferred Shares (%)	100.00%	100.00%
Total Shares (thousand)	R$ 7498529	R$ 7498531
Total Shares (%)	100.00%	100.00%
Free Float [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 357830	R$ 355662	R$ 358248
Common Shares (%)	9.40%	9.30%	9.40%
Preferred Shares (thousand)	R$ 385544	R$ 383466	R$ 386053
Preferred Shares (%)	10.50%	10.40%	10.50%
Total Shares (thousand)	R$ 743374	R$ 739128	R$ 744301
Total Shares (%)	9.90%	9.90%	9.90%
Employees [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)		R$ 2046	R$ 2526
Common Shares (%)		0.10%	0.10%
Preferred Shares (thousand)		R$ 2046	R$ 2533
Preferred Shares (%)		0.10%	0.10%
Total Shares (thousand)		R$ 4092	R$ 5059
Total Shares (%)		0.05%	0.10%

Principal transactions and bala

Principal transactions and balances - Assets And Liabilities (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Parent [member]
IfrsStatementLineItems [Line Items]
Assets	R$ 895492	R$ 2966012	R$ 5294152
Financial assets for trading	(3,043,904)	(1,326,965)	(763,547)
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	3,930,078	4,240,680	5,896,120
Loans and advances to customers		109	912
Other Assets	9,209	52,297	74,029
Guarantees and Limits
Liabilities	(25,832,894)	(24,084,795)	(17,105,753)
Deposits of Brazil Central Bank and deposits of credit institutions	(11,178,490)	(10,456,623)	(42,060)
Securities
Customer deposits
Other financial liabilities - Dividends and interest on capital Payable	(564,786)	(508,491)	(6,874,602)
Other Payables	(1,011)	(21)	(13,130)
Debt Instruments Eligible to Compose Capital	(14,088,607)	(13,119,660)	(10,175,961)
Loans and other values with credit institutions			86,638
Parent [member] | Subsidiaries Banco Santander SA Spain [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading	(3,043,904)	(1,326,965)	(763,547)
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	3,930,078	4,240,680	5,896,120
Other Assets	9,209	52,297	74,029
Deposits of Brazil Central Bank and deposits of credit institutions	(11,178,490)	(10,456,623)	(42,060)
Other financial liabilities - Dividends and interest on capital Payable	(73)	(195)	(1,067,623)
Other Payables	(1,011)	(21)	(13,130)
Debt Instruments Eligible to Compose Capital	(14,088,607)	(13,119,660)	(10,175,961)
Loans and other values with credit institutions			86,638
Parent [member] | Super Pagamentos e Administracao de Meios Eletronicos S.A. [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading
Parent [member] | Subsidiaries Santander F I Santillana Multimercado Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading
Parent [member] | PSA Corretora de Seguros e Servicos Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Parent [member] | Santander Bank, National Association [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Parent [member] | Subsidiaries Banco Santander Totta Sa [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Parent [member] | Subsidiaries Santander UKPLC [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Parent [member] | Subsidiaries Banco Rci Brasil Sa [Member]
IfrsStatementLineItems [Line Items]
Other Assets
Parent [member] | Subsidiaries Santander Global Technology SLSOCI [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	192	192
Parent [member] | Subsidiaries Webmotors SA [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Parent [member] | Subsidiaries Banco Santander Espanha [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	109		912
Parent [member] | Subsidiaries Santander Tecnologia Mexico S Ade C V [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Parent [member] | Subsidiaries Gesban Servicios Administrativos Globales SL [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Parent [member] | Subsidiaries Gestora De Inteligencia De Credito [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Customer deposits
Parent [member] | Subsidiaries Key Management Personnel [Member]
IfrsStatementLineItems [Line Items]
Other Payables
Parent [member] | Subsidiaries Santander Brasil Gesto De Recursos Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Parent [member] | Subsidiaries Others [Member]
IfrsStatementLineItems [Line Items]
Customer deposits
Other Payables
Parent [member] | Subsidiaries Grupo Empresarial Santander Sl [Member]
IfrsStatementLineItems [Line Items]
Other financial liabilities - Dividends and interest on capital Payable	(464,295)	(239,890)	(2,177,207)
Parent [member] | Subsidiaries Sterrebeeck Bv [Member]
IfrsStatementLineItems [Line Items]
Other financial liabilities - Dividends and interest on capital Payable	(100,418)	(268,406)	(3,629,772)
Parent [member] | Subsidiaries Santander Securities Services Brasil Dtvm Sa [Member]
IfrsStatementLineItems [Line Items]
Other Payables
Parent [member] | Subsidiaries Zurich Santander Brasil Seguros E Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
Other Payables
Parent [member] | Subsidiaries Real Fundo De Investimento Multimercado Santillana Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading
Deposits of Brazil Central Bank and deposits of credit institutions
Parent [member] | Santander Digital Assets, SL [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Parent [member] | Subsidiaries Bank Zachodni [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Parent [member] | Loop Gestao de Patios S.A. [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Parent [member] | Subsidiaries Banco Madesant Sociedade Unipessoal SA [Member]
IfrsStatementLineItems [Line Items]
Other financial liabilities - Dividends and interest on capital Payable
Entities with joint control or significant influence over entity [member]
IfrsStatementLineItems [Line Items]
Assets	3,347	3,589,575	4,387,013
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	850	3,587,028
Loans and advances to customers			20,367
Other Assets	2,497	2,547	1,128
Guarantees and Limits
Liabilities	(63,599)	(226,046)	(169,103)
Deposits of Brazil Central Bank and deposits of credit institutions	(63,599)	(226,046)	(167,017)
Securities		0
Customer deposits		0	(2,086)
Other financial liabilities - Dividends and interest on capital Payable
Other Payables
Debt Instruments Eligible to Compose Capital
Loans and other values with credit institutions			4,365,518
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Santander SA Spain [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Deposits of Brazil Central Bank and deposits of credit institutions
Debt Instruments Eligible to Compose Capital
Entities with joint control or significant influence over entity [member] | PSA Corretora de Seguros e Servicos Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Entities with joint control or significant influence over entity [member] | Santander Bank, National Association [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Santander Totta Sa [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander UKPLC [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Rci Brasil Sa [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	850	3,587,028
Other Assets	2,497	2,547	1,128
Deposits of Brazil Central Bank and deposits of credit institutions		(226,046)	(167,017)
Deposits of brazil central bank and deposits of credit institutions	(63,599)
Loans and other values with credit institutions			4,365,518
Entities with joint control or significant influence over entity [member] | Subsidiaries Webmotors SA [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers			20,367
Customer deposits			(2,082)
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Santander Espanha [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Entities with joint control or significant influence over entity [member] | Subsidiaries Gestora De Inteligencia De Credito [Member]
IfrsStatementLineItems [Line Items]
Customer deposits
Entities with joint control or significant influence over entity [member] | Subsidiaries Key Management Personnel [Member]
IfrsStatementLineItems [Line Items]
Other Payables
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander Brasil Gesto De Recursos Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Entities with joint control or significant influence over entity [member] | Subsidiaries Others [Member]
IfrsStatementLineItems [Line Items]
Customer deposits			(4)
Other Payables
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander Securities Services Brasil Dtvm Sa [Member]
IfrsStatementLineItems [Line Items]
Other Payables
Entities with joint control or significant influence over entity [member] | Subsidiaries Zurich Santander Brasil Seguros E Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
Other Payables
Entities with joint control or significant influence over entity [member] | Subsidiaries Real Fundo De Investimento Multimercado Santillana Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil Central Bank and deposits of credit institutions
Entities with joint control or significant influence over entity [member] | Subsidiaries Bank Zachodni [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Madesant Sociedade Unipessoal SA [Member]
IfrsStatementLineItems [Line Items]
Other financial liabilities - Dividends and interest on capital Payable
Other related parties [member]
IfrsStatementLineItems [Line Items]
Assets	32,135,748	8,962,950	874,668
Financial assets for trading	(73,209)	(2,527,296)	(113,931)
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	27,590,541	10,446,557	70,261
Loans and advances to customers		3,570,635	884,696
Other Assets		34,589	28,476
Other Assets	1,048,039
Guarantees and Limits	(258)	11,038	4,974
Liabilities	(9,602,791)	(1,779,587)	(1,529,828)
Deposits of Brazil Central Bank and deposits of credit institutions	(7,802,709)	(37,214)	(20,571)
Securities	(128,593)	(117,368)	(89,074)
Customer deposits	(828,107)	(869,888)	(1,008,416)
Other financial liabilities - Dividends and interest on capital Payable			(12,226)
Other Payables	(843,382)	(755,117)	(399,541)
Debt Instruments Eligible to Compose Capital
Loans and other values with credit institutions		998,063	192
Other related parties [member] | Subsidiaries Banco Santander SA Spain [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading
Loans and other values with credit institutions - Cash and overnight operations in foreign currency
Deposits of Brazil Central Bank and deposits of credit institutions
Debt Instruments Eligible to Compose Capital
Other related parties [member] | Super Pagamentos e Administracao de Meios Eletronicos S.A. [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading	241,716	(211,154)
Loans and other values with credit institutions - Cash and overnight operations in foreign currency		532
Loans and advances to customers	191
Deposits of Brazil Central Bank and deposits of credit institutions		(36,390)
Other related parties [member] | Subsidiaries Santander F I Santillana Multimercado Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading	(1,241,109)
Other related parties [member] | PSA Corretora de Seguros e Servicos Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	48	113
Other related parties [member] | Santander Bank, National Association [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	8,538,165	10,315,450
Other related parties [member] | Subsidiaries Banco Santander Totta Sa [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	950	1,250	7,921
Other related parties [member] | Subsidiaries Santander Bank Polska S A [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	99
Other related parties [member] | Subsidiaries Santander UKPLC [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	171,920	92,703	16,701
Other related parties [member] | Subsidiaries Banco Santander Sa Mexico [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	21,123	27,993	45,545
Other related parties [member] | Subsidiaries Banco Rci Brasil Sa [Member]
IfrsStatementLineItems [Line Items]
Other Assets
Other related parties [member] | Hyundai Corretora de Seguros Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	3	3
Other related parties [member] | Subsidiaries Santander Global Technology SLSOCI [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions			192
Other related parties [member] | Subsidiaries Getnet S A [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency	18,858,041
Loans and advances to customers	3,450,923
Deposits of brazil central bank and deposits of credit institutions	(7,079,955)
Other related parties [member] | Subsidiaries Webmotors SA [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	21,763	18,455
Customer deposits	(3,744)	(1,411)
Other related parties [member] | Subsidiaries Banco Santander Espanha [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers
Other related parties [member] | Subsidiaries Santander Tecnologia Mexico S Ade C V [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	122
Other related parties [member] | Subsidiaries Gesban Servicios Administrativos Globales SL [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	23	23	23
Other related parties [member] | Subsidiaries Santander Brasil Gestao De Recursos Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	169
Other related parties [member] | Subsidiaries Gestora De Inteligencia De Credito [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	67,511	66,667
Customer deposits	(36,097)	(149,257)
Other related parties [member] | Subsidiaries Loop Gestao De Patios S A [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	9,861
Other related parties [member] | Subsidiaries C A R 10 T E C N O L O G I A E I N F S A [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	38
Other related parties [member] | Subsidiaries Key Management Personnel [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers	20,034	19,889	11,284
Guarantees and Limits	(258)	11,038	4,974
Securities	(128,593)	(117,368)	(89,074)
Customer deposits	(28,672)	(36,762)	(36,104)
Other financial liabilities - Dividends and interest on capital Payable			(10,278)
Other Payables	(664,264)	(633,276)	(357,249)
Other related parties [member] | Subsidiaries Zurich Santander Brasil Seguros Previdncia SA [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers		823,467	814,320
Other Assets	15	34,589	28,476
Other Assets	965,926
Outros	82,098
Customer deposits	(63,864)	(64,836)	(199,934)
Other Payables			(21,219)
Other related parties [member] | Subsidiaries Santander Caceis Brasil D T V M S A [Member]
IfrsStatementLineItems [Line Items]
Deposits of brazil central bank and deposits of credit institutions	(722,222)
Other related parties [member] | Subsidiaries Outros [Member]
IfrsStatementLineItems [Line Items]
Deposits of brazil central bank and deposits of credit institutions	(532)
Other related parties [member] | Subsidiaries Santander Brasil Gesto De Recursos Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers		169	169
Customer deposits	(44,141)	(335)	(332,916)
Other related parties [member] | Subsidiaries Santande Caceis Brasil D T V M S A [Member]
IfrsStatementLineItems [Line Items]
Customer deposits	(562)
Other related parties [member] | Subsidiaries Others [Member]
IfrsStatementLineItems [Line Items]
Customer deposits	(257,151)	(35,644)	(18,273)
Other Payables	(14,168)	(33,687)	(8,804)
Other related parties [member] | Subsidiaries Santander Securities Services Brasil Dtvm Sa [Member]
IfrsStatementLineItems [Line Items]
Customer deposits		(581,543)	(404,427)
Other Payables	(12,286)	(9,373)	(5,066)
Other related parties [member] | Subsidiaries Zurich Santander Brasil Seguros E Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
Other Payables	R$ 28801
Other related parties [member] | Subsidiaries Real Fundo De Investimento Multimercado Santillana Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Financial assets for trading		(2,316,142)	(113,931)
Deposits of Brazil Central Bank and deposits of credit institutions			(20,571)
Other related parties [member] | Santander Digital Assets, SL [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency		8,105
Other related parties [member] | Subsidiaries Bank Zachodni [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency		171	94
Other related parties [member] | Integry Tecnologia e Servicos A.H.U Ltda [Member]
IfrsStatementLineItems [Line Items]
Loans and other values with credit institutions - Cash and overnight operations in foreign currency		45
Other related parties [member] | Subsidiaries Zurich Santander Brasil Seguros SA [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers		57,081	58,778
Other related parties [member] | Banco Santander Espanha [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers		224
Other related parties [member] | Subsidiaries Isban Mexico SA De CV [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers		122	122
Other related parties [member] | Loop Gestao de Patios S.A. [Member]
IfrsStatementLineItems [Line Items]
Loans and advances to customers		11,966
Deposits of Brazil Central Bank and deposits of credit institutions		(824)
Other related parties [member] | Subsidiaries Santander Brasil Asset [Member]
IfrsStatementLineItems [Line Items]
Customer deposits		(100)	(16,762)
Other Payables		R$ 95	(7,203)
Other related parties [member] | Subsidiaries Banco Madesant Sociedade Unipessoal SA [Member]
IfrsStatementLineItems [Line Items]
Other financial liabilities - Dividends and interest on capital Payable			R$ 1948

Principal transactions and ba_2

Principal transactions and balances - Income (Details) - BRL (R$)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Parent [member]
IfrsStatementLineItems [Line Items]
Income	R$ 2896127000	R$ 2164484000	R$ 1458386000
Interest and similar income - Loans and amounts due from credit institutions	7,534,000	13,934,000	109,530,000
Guarantees and Limits
Interest expense and similar charges - Customer deposits
Interest and similar income - Loans and advances to customers			219,060,000
Interest expense and similar charges - Deposits from credit institutions	(122,318,000)	(569,355,000)	(174,000)
Fee and commission income (expense)		(2,002,000)	2,310,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(2,560,112,000)	(541,693,000)	(724,169,000)
Administrative expenses and Amortization	(221,231,000)	(202,787,000)	(153,332,000)
Others Administrative expenses - Donation
Result on the sale of assets not classified as non-current assets held for sale
Debt Instruments Eligible to Compose Capital		(862,581,000)	(692,551,000)
Parent [member] | Subsidiaries Banco Rci Brasil Sa [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions	7,534,000
Interest and similar income - Loans and advances to customers		13,934,000
Interest expense and similar charges - Deposits from credit institutions
Fee and commission income (expense)
Parent [member] | Subsidiaries Key Management Personnel [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions
Interest expense and similar charges - Customer deposits
Interest and similar income - Loans and advances to customers
Fee and commission income (expense)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Administrative expenses and Amortization
Parent [member] | Subsidiaries Gestora De Inteligencia De Credito [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers
Parent [member] | Subsidiaries Webmotors SA [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers
Fee and commission income (expense)
Parent [member] | Super Pagamentos e Administracao de Meios Eletronicos S.A. [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Parent [member] | Subsidiaries Others [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits
Interest and similar income - Loans and advances to customers
Fee and commission income (expense)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Parent [member] | Subsidiaries Banco Santander Espanha [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions			109,530,000
Interest expense and similar charges - Deposits from credit institutions	(122,318,000)	(569,355,000)	(174,000)
Fee and commission income (expense)		(2,002,000)	2,310,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)			(724,169,000)
Debt Instruments Eligible to Compose Capital		(862,581,000)	(692,551,000)
Parent [member] | Subsidiaries Santander F I Santillana Multimercado Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Parent [member] | Subsidiaries Santander Caceis Brasil D T V M S A [Member]
IfrsStatementLineItems [Line Items]
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Parent [member] | Subsidiaries Banco Santander International [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)
Parent [member] | Subsidiaries Zurich Santander Brasil Seguros SA [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)
Parent [member] | Subsidiaries Zurich Santander Brasil Seguros E Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)
Parent [member] | Subsidiaries Banco Santander S A Espanha [Member]
IfrsStatementLineItems [Line Items]
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(2,560,112,000)	(541,693,000)
Administrative expenses and Amortization	(221,231,000)	(202,787,000)	(153,332,000)
Parent [member] | Subsidiaries Real Fundo De Investimento Multimercado Santillana Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Parent [member] | Subsidiaries I S B A N Chile S A [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Parent [member] | Subsidiaries Aquanima Brasil Ltda [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Parent [member] | Subsidiaries Santander Global Technology SLSOCI [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Parent [member] | Subsidiaries Fundacao Santander [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation
Parent [member] | Subsidiaries Santander Brasil Gestao De Recursos Ltda [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits
Parent [member] | Subsidiaries Santander Securities Services Brasil Dtvm Sa [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Administrative expenses and Amortization
Parent [member] | Subsidiaries Santander Asset Management S A S G I I C [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Parent [member] | Subsidiaries Zurich Santander Brasil Seguros Previdencia SA [Member]
IfrsStatementLineItems [Line Items]
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Parent [member] | Subsidiaries TECBAN Tecnologia Bancaria Brasil [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Parent [member] | Subsidiaries Instituto Escola Brasil [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation
Parent [member] | Subsidiaries Fundacao Sudameris [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation
Entities with joint control or significant influence over entity [member]
IfrsStatementLineItems [Line Items]
Income	37,036,000	204,209,000	226,141,000
Interest and similar income - Loans and amounts due from credit institutions		185,646,000	218,661,000
Guarantees and Limits
Interest expense and similar charges - Customer deposits			(25,000)
Interest and similar income - Loans and advances to customers			437,322,000
Interest expense and similar charges - Deposits from credit institutions		(6,226,000)	(3,375,000)
Fee and commission income (expense)	37,036,000	24,789,000	10,418,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)			462,000
Administrative expenses and Amortization
Others Administrative expenses - Donation
Result on the sale of assets not classified as non-current assets held for sale
Debt Instruments Eligible to Compose Capital
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Rci Brasil Sa [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions		(6,226,000)	218,661,000
Interest and similar income - Loans and advances to customers
Interest expense and similar charges - Deposits from credit institutions			(3,375,000)
Fee and commission income (expense)	37,036,000	24,789,000	10,201,000
Entities with joint control or significant influence over entity [member] | Subsidiaries Key Management Personnel [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions		185,646,000
Interest expense and similar charges - Customer deposits
Interest and similar income - Loans and advances to customers
Fee and commission income (expense)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Administrative expenses and Amortization
Entities with joint control or significant influence over entity [member] | Subsidiaries Gestora De Inteligencia De Credito [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers
Entities with joint control or significant influence over entity [member] | Subsidiaries Webmotors SA [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers
Interest expense and similar charges - Deposits from credit institutions			(25,000)
Fee and commission income (expense)			217,000
Entities with joint control or significant influence over entity [member] | Super Pagamentos e Administracao de Meios Eletronicos S.A. [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Entities with joint control or significant influence over entity [member] | Subsidiaries Others [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits
Interest and similar income - Loans and advances to customers
Fee and commission income (expense)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)			462,000
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Santander Espanha [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions
Interest expense and similar charges - Deposits from credit institutions
Fee and commission income (expense)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Debt Instruments Eligible to Compose Capital
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander F I Santillana Multimercado Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander Caceis Brasil D T V M S A [Member]
IfrsStatementLineItems [Line Items]
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Santander International [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)
Entities with joint control or significant influence over entity [member] | Subsidiaries Zurich Santander Brasil Seguros SA [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)
Entities with joint control or significant influence over entity [member] | Subsidiaries Zurich Santander Brasil Seguros E Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)
Entities with joint control or significant influence over entity [member] | Subsidiaries Banco Santander S A Espanha [Member]
IfrsStatementLineItems [Line Items]
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Administrative expenses and Amortization
Entities with joint control or significant influence over entity [member] | Subsidiaries Real Fundo De Investimento Multimercado Santillana Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Entities with joint control or significant influence over entity [member] | Subsidiaries I S B A N Chile S A [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Entities with joint control or significant influence over entity [member] | Subsidiaries Aquanima Brasil Ltda [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander Global Technology SLSOCI [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Entities with joint control or significant influence over entity [member] | Subsidiaries Fundacao Santander [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander Brasil Gestao De Recursos Ltda [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander Securities Services Brasil Dtvm Sa [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Administrative expenses and Amortization
Entities with joint control or significant influence over entity [member] | Subsidiaries Santander Asset Management S A S G I I C [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions
Entities with joint control or significant influence over entity [member] | Subsidiaries Zurich Santander Brasil Seguros Previdencia SA [Member]
IfrsStatementLineItems [Line Items]
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Entities with joint control or significant influence over entity [member] | Subsidiaries TECBAN Tecnologia Bancaria Brasil [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization
Entities with joint control or significant influence over entity [member] | Subsidiaries Instituto Escola Brasil [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation
Entities with joint control or significant influence over entity [member] | Subsidiaries Fundacao Sudameris [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation
Other related parties [member]
IfrsStatementLineItems [Line Items]
Income	1,622,821,000	1,442,100,000	1,254,022,000
Interest and similar income - Loans and amounts due from credit institutions	77,832,000	1,485,000	630,000
Guarantees and Limits	45,000	61,000	24,000
Interest expense and similar charges - Customer deposits	(634,659,000)	(19,215,000)	(27,433,000)
Interest and similar income - Loans and advances to customers			630,000
Interest expense and similar charges - Deposits from credit institutions	(4,652,000)	(15,032,000)	(96,579,000)
Fee and commission income (expense)	3,511,120,000	3,092,951,000	2,635,325,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(769,218,000)	(413,101,000)	44,858,000
Administrative expenses and Amortization	(558,452,000)	(1,354,006,000)	(1,283,788,000)
Others Administrative expenses - Donation	805,000	(19,630,000)	(19,015,000)
Result on the sale of assets not classified as non-current assets held for sale		168,588,000
Debt Instruments Eligible to Compose Capital
Other related parties [member] | Subsidiaries Banco Rci Brasil Sa [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions
Interest and similar income - Loans and advances to customers
Interest expense and similar charges - Deposits from credit institutions
Fee and commission income (expense)
Other related parties [member] | Subsidiaries Apolo Fundo De Investimento Em Direitos Creditorios [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions	76,004,000
Other related parties [member] | Subsidiaries Key Management Personnel [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions	1,828,000	1,485,000	630,000
Guarantees and Limits	45,000	61,000	24,000
Interest expense and similar charges - Customer deposits		(4,657,000)	(7,747,000)
Interest and similar income - Loans and advances to customers	(594,194,000)
Fee and commission income (expense)	399,000	308,000	343,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(13,083,000)	180,000	168,000
Administrative expenses and Amortization		(499,514,000)	(482,852,000)
Other related parties [member] | Subsidiaries Gestora De Inteligencia De Credito [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers	(1,159,000)	(1,039,000)	(3,275,000)
Other related parties [member] | Subsidiaries Webmotors SA [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers	(2,354,000)
Interest expense and similar charges - Deposits from credit institutions		(2,000)
Fee and commission income (expense)		223,000
Other related parties [member] | Super Pagamentos e Administracao de Meios Eletronicos S.A. [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers	(233,000)
Interest expense and similar charges - Deposits from credit institutions		(7,198,000)
Result on the sale of assets not classified as non-current assets held for sale		168,588,000
Other related parties [member] | Subsidiaries Pessoal Chave Da Administracao [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and advances to customers	(6,916,000)
Other related parties [member] | Subsidiaries Getnet S A [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits	(23,448,000)
Fee and commission income (expense)	145,554,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(881,699,000)
Administrative expenses and Amortization	(2,092,000)
Other related parties [member] | Subsidiaries Banco Santander Suisse S A [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits	(1,437,000)
Other related parties [member] | Subsidiaries Others [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits		(655,000)	(24,000)
Interest and similar income - Loans and advances to customers	(4,918,000)
Fee and commission income (expense)	2,538,000	19,753,000	11,172,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	313,000	5,414,000	3,727,000
Administrative expenses and Amortization	(35,321,000)	(32,515,000)	(37,073,000)
Other related parties [member] | Subsidiaries Banco Santander Espanha [Member]
IfrsStatementLineItems [Line Items]
Interest and similar income - Loans and amounts due from credit institutions
Interest expense and similar charges - Deposits from credit institutions
Fee and commission income (expense)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Debt Instruments Eligible to Compose Capital
Other related parties [member] | Subsidiaries Santander F I Santillana Multimercado Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions	(30,024,000)
Other related parties [member] | Subsidiaries Santander Caceis Brasil D T V M S A [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions	25,372,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(29,413,000)
Administrative expenses and Amortization	(45,196,000)
Other related parties [member] | Subsidiaries Banco Santander International [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)	43,375,000	45,261,000	35,294,000
Other related parties [member] | Subsidiaries Zurich Santander Brasil Seguros SA [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)	118,324,000	321,008,000	231,920,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	310,706,000
Other related parties [member] | Subsidiaries Zurich Santander Brasil Seguros E Previdencia S A [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)	3,200,930,000	2,706,398,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(152,376,000)
Other related parties [member] | Subsidiaries Banco Santander S A Espanha [Member]
IfrsStatementLineItems [Line Items]
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)
Administrative expenses and Amortization
Other related parties [member] | Subsidiaries Real Fundo De Investimento Multimercado Santillana Credito Privado [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions			(67,821,000)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)	(3,666,000)	(396,689,000)	(598,000)
Other related parties [member] | Subsidiaries I S B A N Chile S A [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization	(4,000)	(20,000)	(28,000)
Other related parties [member] | Subsidiaries Aquanima Brasil Ltda [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization	(29,526,000)	(52,431,000)	(32,032,000)
Other related parties [member] | Subsidiaries Santander Global Technology SLSOCI [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization	(446,313,000)	(358,364,000)	(336,952,000)
Other related parties [member] | Subsidiaries Fundacao Santander [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation	R$ 805000	(1,600,000)	(1,615,000)
Other related parties [member] | Subsidiaries Santander Brasil Gestao De Recursos Ltda [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Customer deposits			(16,387,000)
Interest and similar income - Loans and advances to customers		(5,664,000)
Other related parties [member] | Subsidiaries S A M Brasil Participacoes [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions		(3,000)	(37,000)
Other related parties [member] | Subsidiaries Santander Securities Services Brasil Dtvm Sa [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions		(14,645,000)	(27,595,000)
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)		(4,662,000)	(2,297,000)
Administrative expenses and Amortization		(46,813,000)	(49,241,000)
Other related parties [member] | Subsidiaries Santander Asset Management S A S G I I C [Member]
IfrsStatementLineItems [Line Items]
Interest expense and similar charges - Deposits from credit institutions		(384,000)	(1,126,000)
Other related parties [member] | Subsidiaries Zurich Santander Brasil Seguros Previdencia SA [Member]
IfrsStatementLineItems [Line Items]
Fee and commission income (expense)			2,356,596,000
Gains (losses) on financial assets and liabilities (net) and exchange differences (net)		(17,344,000)	43,858,000
Other related parties [member] | Subsidiaries TECBAN Tecnologia Bancaria Brasil [Member]
IfrsStatementLineItems [Line Items]
Administrative expenses and Amortization		(364,349,000)	(345,610,000)
Other related parties [member] | Subsidiaries Santander Cultural [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation		(330,000)
Other related parties [member] | Subsidiaries Instituto Escola Brasil [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation		(700,000)	(1,300,000)
Other related parties [member] | Subsidiaries Fundacao Sudameris [Member]
IfrsStatementLineItems [Line Items]
Others Administrative expenses - Donation		R$ 17000000	R$ 16100000

The table shown in note 9.b sho

The table shown in note 9.b shows the portfolio by internal risk rating levels and its probability of default (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Less than 1 Year	R$ 270050934	R$ 219062744	R$ 186196849
Between 1 and 5 years	160,932,317	147,013,817	117,841,564
More than 5 years	62,371,451	51,745,465	43,218,247
Loans and advances to customers, gross	493,354,702	417,822,026	347,256,660
By internal classification of risk
Low	374,505,211	347,315,357	257,133,115
Medium-low	79,216,725	24,277,404	56,549,196
Medium	14,589,977	26,231,871	11,754,806
Medium-High	9,413,111	3,896,457	8,512,386
High	15,629,678	16,100,937	13,307,156
Loans and advances to customers, gross	R$ 493354702	R$ 417822026	R$ 347256660

Expected credit losses, measure

Expected credit losses, measured using sufficient and available historical data, are presented below (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Commercial and industrial	R$ 247674252
Commercial and industrial	6.00%	5.00%	7.00%
Commercial and industrial	50.00%	41.00%	40.00%
Real Estate Credit - construction	R$ 54738606	R$ 45791869	R$ 39720713
Real Estate Credit - construction	2.00%	3.00%	3.00%
Real Estate Credit - construction	8.00%	7.00%	10.00%
Individual loans	R$ 188408840
Individual loans	10.00%	9.00%	10.00%
Individual loans	61.00%	52.00%	64.00%
Leasing	R$ 2533004	R$ 2096359	R$ 2111840
Leasing	2.00%	1.00%	2.00%
Leasing	31.00%	31.00%	41.00%
Commercial and industrial	R$ 215967128	R$ 191281653	R$ 145387439
Individual loans	R$ 220115963	R$ 178652145	R$ 160036668

Related party transactions (Det

Related party transactions (Details Narrative) - BRL (R$)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Variable and share based compensation	R$ 433940
Management compensation	R$ 32086	R$ 29162	R$ 33912

Below is a table showing the ev

Below is a table showing the evolution of the main credit indicators (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Credit risk exposure - customers (Thousand of Reais)	R$ 540872632	R$ 466104042	R$ 391569227
Loans and advances to customers, gross (note 9)	493,354,702	417,822,026	347,256,660
Contingent Liabilities - Guarantees and other sureties (note 43.a)	R$ 47517931	R$ 48282016	R$ 44312567
Non-performing loans ratio (%) - unaudited	5.46%	5.55%	6.75%
Impairment coverage ratio (%) - unaudited	110.40%	110.64%	96.58%
Specific credit loss provisions, net of RAWO (*) (Thousand of Reais) - unaudited	R$ 29723376	R$ 25640488	R$ 22625750
Cost of credit (% of risk) - unaudited	3.73%	4.35%	3.93%

he following table aggregates b

he following table aggregates by product the cash flows of the operations (Details) - BRL (R$)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income	R$ 3122000000	R$ 2200000000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments	3,122,000,000	2,200,000,000
Financial assets measured at fair value in profit or loss for trading	45,199,000,000	113,788,000,000
Debt Instruments	23,801,000,000	79,784,000,000
Equity Instruments	44,000,000	1,164,000,000
Derivatives	21,354,000,000	32,840,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result	151,919,000,000	439,000,000
Equity Instruments	151,919,000,000	439,000,000
Financial Assets Measured at Amortized Cost	644,787,000,000	452,462,000,000	R$ 323095000000
Loans and Other Amounts with Credit Institutions	79,643,000,000	71,644,000,000
Loans and advances to customers	513,708,000,000	360,990,000,000
Debt Instruments	51,436,000,000	19,828,000,000
Total	845,027,000,000	674,227,000,000	452,357,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	37,609,000,000	81,424,000,000
Derivatives	24,828,000,000	36,270,000,000
Short Positions	12,781,000,000	45,153,000,000
Financial liabilities at amortized cost	746,898,000,000	515,035,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	134,563,000,000	70,379,000,000
Customer deposits	491,898,000,000	367,694,000,000
Bonds and securities	100,933,000,000	63,841,000,000
Debt Instruments Eligible to Capital	19,504,000,000	13,120,000,000
Total	784,507,000,000	596,458,000,000	563,515,000,000
Financial assets measured at fair value in other comprehensive income		105,339,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments		105,267,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments		72,000,000
Financial assets measured at fair value through profit or loss			18,609,000,000
Debt instruments			1,220,000,000
Equity instruments			171,000,000
Trading derivatives			17,218,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			32,856,000,000
Debt instruments			30,827,000,000
Equity instruments			2,029,000,000
Investments Held to Maturity			8,134,000,000
Reserves from Brazilian Central Bank			69,663,000,000
Deposits from credit institutions			429,506,000,000
Subordinated debts			10,077,000,000
Marketable debt securities			80,192,000,000
Trading derivatives			20,239,000,000
Short positions			23,501,000,000
Above 5 years [Member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income	3,122,000,000	1,747,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments	3,122,000,000	1,747,000,000
Financial assets measured at fair value in profit or loss for trading	12,447,000,000	17,707,000,000
Debt Instruments	9,963,000,000	14,078,000,000
Equity Instruments	3,000,000
Derivatives	2,481,000,000	3,629,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result	32,808,000,000
Equity Instruments	32,808,000,000
Financial Assets Measured at Amortized Cost	102,292,000,000	63,844,000,000	54,815,000,000
Loans and Other Amounts with Credit Institutions
Loans and advances to customers	94,368,000,000	61,795,000,000
Debt Instruments	7,924,000,000	2,049,000,000
Total	150,669,000,000	105,728,000,000	70,317,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	2,703,000,000	3,515,000,000
Derivatives	2,703,000,000	3,515,000,000
Financial liabilities at amortized cost	31,897,000,000	16,667,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	4,035,000,000	3,031,000,000
Customer deposits	24,000,000	203,000,000
Bonds and securities	8,334,000,000	313,000,000
Debt Instruments Eligible to Capital	19,504,000,000	13,120,000,000
Total	34,600,000,000	20,182,000,000	9,859,000,000
Financial assets measured at fair value in other comprehensive income		22,430,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments		22,430,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
Financial assets measured at fair value through profit or loss			4,446,000,000
Debt instruments			889,000,000
Trading derivatives			3,557,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			7,075,000,000
Debt instruments			7,075,000,000
Investments Held to Maturity			3,981,000,000
Deposits from credit institutions			2,556,000,000
Subordinated debts
Marketable debt securities			3,475,000,000
Trading derivatives			3,828,000,000
Bottom of range [member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in profit or loss for trading	5,573,000,000	15,635,000,000
Debt Instruments	355,000,000	3,480,000,000
Equity Instruments	21,000,000	1,164,000,000
Derivatives	5,197,000,000	10,992,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result	54,053,000,000	439,000,000
Equity Instruments	54,053,000,000	439,000,000
Financial Assets Measured at Amortized Cost	135,081,000,000	50,776,000,000	28,416,000,000
Loans and Other Amounts with Credit Institutions	73,293,000,000	25,201,000,000
Loans and advances to customers	60,735,000,000	25,490,000,000
Debt Instruments	1,053,000,000	85,000,000
Total	194,707,000,000	70,305,000,000	106,329,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	18,955,000,000	55,313,000,000
Derivatives	6,174,000,000	10,160,000,000
Short Positions	12,781,000,000	45,153,000,000
Financial liabilities at amortized cost	309,659,000,000	174,848,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	43,414,000,000	4,007,000,000
Customer deposits	260,711,000,000	163,297,000,000
Bonds and securities	5,534,000,000	7,544,000,000
Debt Instruments Eligible to Capital
Total	328,614,000,000	230,161,000,000	256,385,000,000
Loans and Advances to Customers
Financial assets measured at fair value in other comprehensive income		3,455,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments		3,383,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments		72,000,000
Financial assets measured at fair value through profit or loss			3,891,000,000
Debt instruments
Equity instruments			171,000,000
Trading derivatives			3,720,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			4,261,000,000
Debt instruments			2,232,000,000
Equity instruments			2,029,000,000
Investments Held to Maturity			98,000,000
Reserves from Brazilian Central Bank			69,663,000,000
Deposits from credit institutions			224,610,000,000
Marketable debt securities			3,677,000,000
Trading derivatives			4,597,000,000
Short positions			23,501,000,000
Weighted average [member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income		153,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments		153,000,000
Financial assets measured at fair value in profit or loss for trading	4,205,000,000	18,487,000,000
Debt Instruments	858,000,000	11,789,000,000
Equity Instruments	1,000,000
Derivatives	3,346,000,000	6,698,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result	1,012,000,000
Equity Instruments	1,012,000,000
Financial Assets Measured at Amortized Cost	131,966,000,000	130,066,000,000	75,794,000,000
Loans and Other Amounts with Credit Institutions	1,479,000,000	39,879,000,000
Loans and advances to customers	128,631,000,000	88,071,000,000
Debt Instruments	1,856,000,000	2,117,000,000
Total	137,183,000,000	152,331,000,000	77,783,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	2,564,000,000	7,878,000,000
Derivatives	2,564,000,000	7,878,000,000
Financial liabilities at amortized cost	116,052,000,000	100,497,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	48,359,000,000	32,846,000,000
Customer deposits	50,470,000,000	44,035,000,000
Bonds and securities	17,223,000,000	23,616,000,000
Total	118,616,000,000	108,376,000,000	89,583,000,000
Financial assets measured at fair value in other comprehensive income		3,625,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments		3,625,000,000
Financial assets measured at fair value through profit or loss			1,091,000,000
Debt instruments			3,000,000
Trading derivatives			1,088,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			802,000,000
Debt instruments			802,000,000
Equity instruments
Investments Held to Maturity			96,000,000
Reserves from Brazilian Central Bank
Deposits from credit institutions			62,181,000,000
Subordinated debts
Marketable debt securities			25,781,000,000
Trading derivatives			1,621,000,000
Short positions
181 to 365 days [Member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income		50,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments		50,000,000
Financial assets measured at fair value in profit or loss for trading	5,128,000,000	4,867,000,000
Debt Instruments	2,358,000,000	3,150,000,000
Equity Instruments	8,000,000
Derivatives	2,762,000,000	1,717,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result	4,779,000,000
Equity Instruments	4,779,000,000
Financial Assets Measured at Amortized Cost	96,793,000,000	55,339,000,000	51,603,000,000
Loans and Other Amounts with Credit Institutions	2,255,000,000	2,765,000,000
Loans and advances to customers	71,041,000,000	50,829,000,000
Debt Instruments	23,497,000,000	1,745,000,000
Total	106,700,000,000	72,433,000,000	56,601,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	2,191,000,000	2,088,000,000
Derivatives	2,191,000,000	2,088,000,000
Financial liabilities at amortized cost	108,718,000,000	91,433,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	27,340,000,000	22,603,000,000
Customer deposits	70,403,000,000	61,293,000,000
Bonds and securities	10,975,000,000	7,537,000,000
Debt Instruments Eligible to Capital
Total	110,909,000,000	93,521,000,000	89,476,000,000
Financial assets measured at fair value in other comprehensive income		12,177,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments		12,177,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
Financial assets measured at fair value through profit or loss			737,000,000
Debt instruments			140,000,000
Trading derivatives			597,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			3,981,000,000
Debt instruments			3,981,000,000
Investments Held to Maturity			280,000,000
Deposits from credit institutions			69,277,000,000
Subordinated debts
Marketable debt securities			19,125,000,000
Trading derivatives			1,074,000,000
Short positions
Top of range [member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income		250,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments		250,000,000
Financial assets measured at fair value in profit or loss for trading	17,846,000,000	57,091,000,000
Debt Instruments	10,267,000,000	47,287,000,000
Equity Instruments	11,000,000
Derivatives	7,568,000,000	9,804,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result	59,267,000,000
Equity Instruments	59,267,000,000
Financial Assets Measured at Amortized Cost	178,655,000,000	152,438,000,000	112,467,000,000
Loans and Other Amounts with Credit Institutions	2,616,000,000	3,799,000,000
Loans and advances to customers	158,933,000,000	134,805,000,000
Debt Instruments	17,106,000,000	13,833,000,000
Total	255,768,000,000	273,429,000,000	141,327,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	11,196,000,000	12,629,000,000
Derivatives	11,196,000,000	12,629,000,000
Financial liabilities at amortized cost	180,572,000,000	131,589,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	11,415,000,000	7,891,000,000
Customer deposits	110,290,000,000	98,867,000,000
Bonds and securities	58,867,000,000	24,832,000,000
Debt Instruments Eligible to Capital
Total	R$ 191768000000	144,218,000,000	118,212,000,000
Financial assets measured at fair value in other comprehensive income		63,651,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments		63,651,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
Financial assets measured at fair value through profit or loss			8,444,000,000
Debt instruments			188,000,000
Trading derivatives			8,256,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			16,737,000,000
Debt instruments			16,737,000,000
Investments Held to Maturity			3,679,000,000
Reserves from Brazilian Central Bank
Deposits from credit institutions			70,882,000,000
Subordinated debts			10,077,000,000
Marketable debt securities			28,134,000,000
Trading derivatives			9,119,000,000
Short positions

Position of accounts subject to

Position of accounts subject to currency risk (Details) - BRL (R$) R$ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Currency Risk Dollar [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	R$ 114021
Loans and advances to customers	5,529
Derivatives	289,245
Others	1,251
Total	410,046
Funding in foreign currency	80,991
Derivatives	225,554
Others	105,570
Total	412,115
Cash/Applications/Debt Instruments		R$ 42860
Loans and advances to customers		5,803
Investments in Foreign Subsidiaries and Dependence		57,914
Derivatives		125,495
Others		25,866
Total		257,938
Liabilities:
Funding in foreign currency		61,173
Derivatives		147,911
Others		39,972
Total		249,056
Cash/Applications/Debt Instruments			R$ 12406
Loans and advances to customers			4,776
Investments in Foreign Subsidiaries and Dependence			50,193
Derivatives			150,538
Others			10,521
Total			228,434
Funding in foreign currency			59,416
Derivatives			169,136
Others
Total			228,552
Currency Risk Euro [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	1,337
Loans and advances to customers	2,218
Derivatives	14,190
Others
Total	17,744
Funding in foreign currency	2,194
Derivatives	14,279
Others	1,220
Total	17,711
Cash/Applications/Debt Instruments		1,870
Loans and advances to customers		3,187
Investments in Foreign Subsidiaries and Dependence		215
Derivatives		10,451
Others
Total		15,723
Liabilities:
Funding in foreign currency		384
Derivatives		14,449
Others		219
Total		15,052
Cash/Applications/Debt Instruments			224
Loans and advances to customers			1,920
Investments in Foreign Subsidiaries and Dependence			3,557
Derivatives			13,053
Others			574
Total			19,328
Funding in foreign currency			925
Derivatives			20,184
Others			60
Total			21,169
Currency Risk Others [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	5,163
Loans and advances to customers	608
Derivatives	8,011
Others
Total	13,782
Funding in foreign currency	2,130
Derivatives	8,631
Others	2,912
Total	13,673
Cash/Applications/Debt Instruments		569
Loans and advances to customers		1,140
Investments in Foreign Subsidiaries and Dependence
Derivatives		2,795
Others
Total		4,504
Liabilities:
Funding in foreign currency
Derivatives		2,854
Others		437
Total		3,291
Cash/Applications/Debt Instruments			1
Loans and advances to customers
Investments in Foreign Subsidiaries and Dependence
Derivatives			9,712
Others
Total			9,713
Funding in foreign currency			49
Derivatives			8,515
Others			1,009
Total			9,573
Currency Risk Total [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	120,521
Loans and advances to customers	8,355
Derivatives	311,446
Others	1,251
Total	441,573
Funding in foreign currency	85,315
Derivatives	248,464
Others	109,701
Total	R$ 443480
Cash/Applications/Debt Instruments		45,299
Loans and advances to customers		10,130
Investments in Foreign Subsidiaries and Dependence		58,129
Derivatives		138,741
Others		25,866
Total		278,165
Liabilities:
Funding in foreign currency		61,557
Derivatives		165,214
Others		40,629
Total		R$ 267400
Cash/Applications/Debt Instruments			12,631
Loans and advances to customers			6,696
Investments in Foreign Subsidiaries and Dependence			53,750
Derivatives			173,303
Others			11,095
Total			257,475
Funding in foreign currency			60,390
Derivatives			197,835
Others			1,069
Total			R$ 259294

highlighting the increasing of

highlighting the increasing of time deposit funding and the keeping of financial letters (Details) - BRL (R$) R$ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Customers Funding 0 Days 30 [Member]
IfrsStatementLineItems [Line Items]
Demand deposits	R$ 39574	R$ 35550	R$ 29524
Savings accounts	65,220	62,210	49,040
Time deposits	92,496	77,298	53,321
Interbank deposit	763	818	871
Funds from acceptances and issuance of securities	5,621	7,544	3,921
Borrowings and Onlendings		3,189	5,077
Subordinated Debts / Debt Instruments Eligible to Compose Capital
Total	203,674	186,609	141,754
Customers Funding Total [Member]
IfrsStatementLineItems [Line Items]
Demand deposits	39,574	35,550	29,524
Savings accounts	65,220	62,210	49,040
Time deposits	308,950	279,778	190,344
Interbank deposit	4,001	5,145	4,299
Funds from acceptances and issuance of securities	88,089	70,628	85,963
Borrowings and Onlendings	90,709	67,760	54,880
Subordinated Debts / Debt Instruments Eligible to Compose Capital	19,641	13,120	10,175
Total	R$ 616184	R$ 534191	R$ 424225
Customers Funding Percent [Member]
IfrsStatementLineItems [Line Items]
Demand deposits	100000.00%	100.00%	100.00%
Savings accounts		100.00%	100.00%
Time deposits	30.00%	28.00%	28.00%
Interbank deposit	19.00%	16.00%	20.00%
Funds from acceptances and issuance of securities	6.00%	11.00%	5.00%
Borrowings and Onlendings	0.00%	5.00%	9.00%
Subordinated Debts / Debt Instruments Eligible to Compose Capital	0.00%	0.00%	0.00%
Total	33.00%	100.00%	33.00%

Assets and liabilities in accor

Assets and liabilities in accordance with the remaining contractual maturities, considering the undiscounted flows are as follows: (Details) - BRL (R$) R$ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income	R$ 3122	R$ 3839
Debt instruments	3,122	3,839
Financial assets measured at fair value in profit or loss for trading	39,191	130,108
Debt instruments	17,791	96,104
Equity Instruments	44	1,164
Derivatives	21,354	32,840
Financial assets measured at fair value in other comprehensive income	125,635	134,110
Debt instruments	125,635	134,038
Equity Instruments		72
Financial Assets Measured at Amortized Cost	537,155	611,509	R$ 457369
Loans and Other Amounts with Credit Institutions	79,108	72,324
Loans and advances to customers	411,737	519,415
Debt instruments	46,310	19,771
Total	705,102	880,005
Remunerated Liabilities:
Financial Liabilities Measured at Fair Value in Income Held for Trading	37,609	81,424
Derivatives	24,828	36,270
Short positions	12,781	45,153
Financial liabilities at amortized cost	689,197	532,838
Deposits from the Central Bank of Brazil and deposits from credit institutions	119,157	70,421
Customer deposits	473,613	383,372
Bonds and securities	76,922	65,925
Debt Instruments Eligible to Capital	19,504	13,120
Total	726,806	1,228,525
Financial assets not intended for trading Mandatory measured at the fair value of the result		439
Equity Instruments		439
Financial Assets Held For Trading			20,722
Debt instruments			3,504
Trading derivatives			17,218
Other financial assets at fair value through profit or loss			47,795
Debt instruments			47,795
Investments Held to Maturity			10,633
Reserves from Brazilian Central Bank			69,663
Total			606,182
Deposits from credit institutions			434,623
Subordinated Debts / Debt Instruments Eligible to Compose Capital			12,673
Marketable debt securities			85,657
Trading derivatives			20,239
Short positions			23,501
Total			576,693
Later than one month and not later than three months [member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income
Debt instruments
Financial assets measured at fair value in profit or loss for trading	5,573	16,028
Debt instruments	355	3,873
Equity Instruments	21	1,164
Derivatives	5,197	10,992
Financial assets measured at fair value in other comprehensive income	54,012	5,000
Debt instruments	54,012	4,928
Equity Instruments		72
Financial Assets Measured at Amortized Cost	109,330	53,147	32,417
Loans and Other Amounts with Credit Institutions	73,290	24,638
Loans and advances to customers	34,989	28,424
Debt instruments	1,051	85
Total	168,915	74,615
Remunerated Liabilities:
Financial Liabilities Measured at Fair Value in Income Held for Trading	18,955	55,313
Derivatives	6,174	10,160
Short positions	12,781	45,153
Financial liabilities at amortized cost	289,743	176,223
Deposits from the Central Bank of Brazil and deposits from credit institutions	33,714	3,707
Customer deposits	252,070	165,171
Bonds and securities	3,959	7,345
Debt Instruments Eligible to Capital
Total	308,698	463,072
Financial assets not intended for trading Mandatory measured at the fair value of the result		439
Equity Instruments		439
Financial Assets Held For Trading			3,766
Debt instruments			46
Trading derivatives			3,720
Other financial assets at fair value through profit or loss			2,642
Debt instruments			2,642
Investments Held to Maturity			99
Reserves from Brazilian Central Bank			69,663
Total			108,587
Deposits from credit institutions			218,883
Subordinated Debts / Debt Instruments Eligible to Compose Capital
Marketable debt securities			3,697
Trading derivatives			4,597
Short positions			23,501
Total			250,678
Later than three months and not later than six months [member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income		174
Debt instruments		174
Financial assets measured at fair value in profit or loss for trading	4,197	19,211
Debt instruments	850	12,513
Equity Instruments	1
Derivatives	3,346	6,698
Financial assets measured at fair value in other comprehensive income	1,007	3,874
Debt instruments	1,007	3,874
Equity Instruments
Financial Assets Measured at Amortized Cost	98,848	145,280	89,335
Loans and Other Amounts with Credit Institutions	1,464	40,579
Loans and advances to customers	94,872	102,379
Debt instruments	2,512	2,321
Total	104,053	168,538
Remunerated Liabilities:
Financial Liabilities Measured at Fair Value in Income Held for Trading	2,564	7,878
Derivatives	2,564	7,878
Short positions
Financial liabilities at amortized cost	106,358	101,111
Deposits from the Central Bank of Brazil and deposits from credit institutions	46,465	33,039
Customer deposits	48,364	44,571
Bonds and securities	11,529	23,502
Debt Instruments Eligible to Capital
Total	108,922	217,979
Financial assets not intended for trading Mandatory measured at the fair value of the result
Equity Instruments
Financial Assets Held For Trading			1,103
Debt instruments			15
Trading derivatives			1,088
Other financial assets at fair value through profit or loss			1,160
Debt instruments			1,160
Investments Held to Maturity			111
Reserves from Brazilian Central Bank
Total			91,709
Deposits from credit institutions			61,461
Subordinated Debts / Debt Instruments Eligible to Compose Capital
Marketable debt securities			26,096
Trading derivatives			1,621
Short positions
Total			89,178
Later than six months and not later than one year [member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income		98
Debt instruments		98
Financial assets measured at fair value in profit or loss for trading	5,031	5,763
Debt instruments	2,261	4,046
Equity Instruments	8
Derivatives	2,762	1,717
Financial assets measured at fair value in other comprehensive income	4,690	13,850
Debt instruments	4,690	13,850
Equity Instruments
Financial Assets Measured at Amortized Cost	78,187	69,004	65,395
Loans and Other Amounts with Credit Institutions	2,041	2,901
Loans and advances to customers	55,118	64,194
Debt instruments	21,028	1,909
Total	87,907	88,715
Remunerated Liabilities:
Financial Liabilities Measured at Fair Value in Income Held for Trading	2,191	2,088
Derivatives	2,191	2,088
Short positions
Financial liabilities at amortized cost	102,585	93,103
Deposits from the Central Bank of Brazil and deposits from credit institutions	25,626	22,860
Customer deposits	67,467	62,606
Bonds and securities	9,492	7,637
Debt Instruments Eligible to Capital
Total	104,776	190,382
Financial assets not intended for trading Mandatory measured at the fair value of the result
Equity Instruments
Financial Assets Held For Trading			802
Debt instruments			205
Trading derivatives			597
Other financial assets at fair value through profit or loss			4,853
Debt instruments			4,853
Investments Held to Maturity			327
Reserves from Brazilian Central Bank
Total			71,377
Deposits from credit institutions			71,953
Subordinated Debts / Debt Instruments Eligible to Compose Capital
Marketable debt securities			19,829
Trading derivatives			1,074
Short positions
Total			92,856
Later than one year and not later than five years [member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income		667
Debt instruments		667
Financial assets measured at fair value in profit or loss for trading	16,366	63,618
Debt instruments	8,786	53,814
Equity Instruments	11
Derivatives	7,568	9,804
Financial assets measured at fair value in other comprehensive income	50,092	75,849
Debt instruments	50,092	75,849
Equity Instruments
Financial Assets Measured at Amortized Cost	172,736	208,295	159,615
Loans and Other Amounts with Credit Institutions	2,313	4,205
Loans and advances to customers	150,204	188,430
Debt instruments	20,219	15,660
Total	239,195	348,429
Remunerated Liabilities:
Financial Liabilities Measured at Fair Value in Income Held for Trading	11,196	12,629
Derivatives	11,196	12,629
Short positions
Financial liabilities at amortized cost	165,145	145,931
Deposits from the Central Bank of Brazil and deposits from credit institutions	10,610	8,014
Customer deposits	105,690	110,809
Bonds and securities	48,845	27,109
Debt Instruments Eligible to Capital
Total	176,341	317,119
Financial assets not intended for trading Mandatory measured at the fair value of the result
Equity Instruments
Financial Assets Held For Trading			8,894
Debt instruments			638
Trading derivatives			8,256
Other financial assets at fair value through profit or loss			23,638
Debt instruments			23,638
Investments Held to Maturity			4,066
Reserves from Brazilian Central Bank
Total			196,213
Deposits from credit institutions			79,666
Subordinated Debts / Debt Instruments Eligible to Compose Capital			12,673
Marketable debt securities			31,407
Trading derivatives			9,119
Short positions
Total			132,865
Above 5 Years [Member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income	3,122	2,900
Debt instruments	3,122	2,900
Financial assets measured at fair value in profit or loss for trading	8,023	25,489
Debt instruments	5,539	21,859
Equity Instruments	3
Derivatives	2,481	3,629
Financial assets measured at fair value in other comprehensive income	15,833	35,538
Debt instruments	15,833	35,538
Equity Instruments
Financial Assets Measured at Amortized Cost	78,053	135,783	110,607
Loans and Other Amounts with Credit Institutions
Loans and advances to customers	76,554	135,987
Debt instruments	1,499	(205)
Total	105,032	199,709
Remunerated Liabilities:
Financial Liabilities Measured at Fair Value in Income Held for Trading	2,703	3,515
Derivatives	2,703	3,515
Short positions
Financial liabilities at amortized cost	25,366	16,471
Deposits from the Central Bank of Brazil and deposits from credit institutions	2,742	2,802
Customer deposits	23	215
Bonds and securities	3,097	333
Debt Instruments Eligible to Capital	19,504	13,120
Total	R$ 28069	39,972
Financial assets not intended for trading Mandatory measured at the fair value of the result
Equity Instruments
Financial Assets Held For Trading			6,157
Debt instruments			2,600
Trading derivatives			3,557
Other financial assets at fair value through profit or loss			15,502
Debt instruments			15,502
Investments Held to Maturity			6,030
Reserves from Brazilian Central Bank
Total			138,296
Deposits from credit institutions			2,660
Subordinated Debts / Debt Instruments Eligible to Compose Capital
Marketable debt securities			4,628
Trading derivatives			3,828
Short positions
Total			R$ 11116

The main factors that occurred

The main factors that occurred in 2021 and influenced the sensitivities were the fall in the yield curve (convexity effect), portfolio decline and updating of the implicit methodologies on the cash flows of Banco Santander products. (Details) - BRL (R$) R$ in Millions	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Net Interest Margin	R$ 553	R$ 432	R$ 334
Market Value of Equity	1,675	1,771	2,063
Value at Risk - Balance
VaR	R$ 791	R$ 1365	R$ 1755

Trading portfolio (Details)

Trading portfolio (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2019
Interest Rate Reais [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in interest fixed rate
Interest Rate Reais [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 4943
Interest Rate Reais [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(108,670)
Interest Rate Reais [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 217339
Coupon Interest Rate [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in coupon rate of interest rate
Coupon Interest Rate [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 550
Coupon Interest Rate [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(7,132)
Coupon Interest Rate [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 14265
Coupon US Dollar [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in coupon US Dollar rate
Coupon US Dollar [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 5564
Coupon US Dollar [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(34,407)
Coupon US Dollar [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 68815
Coupon Other Currencies [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in coupon foreign currency  rate
Coupon Other Currencies [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 5270
Coupon Other Currencies [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(19,539)
Coupon Other Currencies [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 39077
Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to foreign exchange
Foreign Currency [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 1127
Foreign Currency [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 1900
Eurobond/Treasury/Global [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to Interest Rate Variation on Papers Traded on the International Market
Eurobond/Treasury/Global [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 3801
Eurobond/Treasury/Global [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(426)
Eurobond/Treasury/Global [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 10658
Inflation [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to change in coupon rates of price indexes
Inflation [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 21315
Inflation [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(5,218)
Inflation [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 6018
Shares And Indexes [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to change in shares price
Shares And Indexes [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 1553	R$ 12035
Shares And Indexes [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(38,814)
Shares And Indexes [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 77629
Commodities [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to change in commodities' prices
Commodities [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 1184
Commodities [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(29,609)
Commodities [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(59,217)
Trading Portfolio Total [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(25,835)
Trading Portfolio Total [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(256,747)
Trading Portfolio Total [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 513493

Portfolio Banking (Details)

Portfolio Banking (Details) R$ in Thousands	12 Months Ended
	Dec. 31, 2021BRL (R$)
Interest Rate Reais [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in interest fixed rate
Interest Rate Reais [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 48956
Interest Rate Reais [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(1,673,128)
Interest Rate Reais [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 3756544
TR And Long Term Interest Rate TJLP [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in Exchange of TR in TJLP
Portfolio Banking Risk Factor	R$ 6413
TR And Long Term Interest Rate TJLP [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(97,524)
TR And Long Term Interest Rate TJLP [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 145711
Inflation [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to change in coupon rates of price indexes
Inflation [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 34286
Inflation [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(455,628)
Inflation [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 838652
Coupon US Dollar [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in coupon US Dollar rate
Coupon US Dollar [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 13530
Coupon US Dollar [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(60,291)
Coupon US Dollar [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 117298
Coupon Other Currencies [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in coupon foreign currency  rate
Coupon Other Currencies [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 3891
Coupon Other Currencies [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(7,770)
Coupon Other Currencies [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 15642
Interest Rate Markets International [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in interest rate negotiated roles in international market
Interest Rate Markets International [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 31456
Interest Rate Markets International [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(78,782)
Interest Rate Markets International [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 161417
Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to Foreign Exchange
Foreign Currency [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 560
Foreign Currency [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	13,995
Foreign Currency [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	27,989
Portfolio Banking Total [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(137,972)
Portfolio Banking Total [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(2,359,128)
Portfolio Banking Total [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 5007275

In calculating the economic cap

In calculating the economic capital, it is the Bank's definition of losses to be covered. Thus, it is used a confidence interval necessary to ensure business continuity. (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Credit	62.00%	69.00%	71.00%
Market	2.00%	2.00%	2.00%
ALM	6.00%	2.00%	5.00%
Business	7.00%	3.00%	3.00%
Operational	7.00%	6.00%	7.00%
Fixed Assets	1.00%	2.00%	2.00%
Intangible Assets	5.00%	5.00%	1.00%
Pension Funds	1.00%	2.00%	4.00%
Deferred Tax Assets	9.00%	9.00%	5.00%
TOTAL	100.00%	100.00%	100.00%

Risk management (Details Narrat

Risk management (Details Narrative)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deliquency ratio	546.00%	555.00%	675.00%

Subsequent Events (Details Narr

Subsequent Events (Details Narrative) - Subsequent Event Type [Member] - BRL (R$)	Feb. 10, 2022	Feb. 01, 2022
IfrsStatementLineItems [Line Items]
Distribution of interim dividend		R$ 1300000000
Interest on equity, in the gross amount	R$ 1700000000.00

The table below presents a conc

The table below presents a conciliation of stockholders' equity and net income attributed to the parent between standards adopted in Brazil (BRGAAP) and IFRS, with the conceptual description of the main adjustments: (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reconciliation Of Stockholders Equity And Net Income - Brgaap Vs Ifrs
Stockholders' equity attributed under to the Parent Brazilian GAAP	R$ 78739563	R$ 78968183	R$ 69773232
IFRS adjustments, net of taxes, when applicable:
Reclassification of financial instruments at fair value through profit or loss	(103,386)	(882)	8,767
Reclassification of  fair value through other comprehensive income	182,094	(522,107)	73,431
Impairment of financial assets measured at amortized cost	(1,468,494)	(635,194)	(23,589)
Remensurations, Debt instruments, due to reclassifications IFRS 9		907
Category transfers - IFRS 9	(141,260)	357,972	(206,984)
Deferral of financial fees, commissions and inherent costs under effective interest rate method	1,549,438	1,324,853	1,197,325
Reversal of goodwill amortization	26,709,187	27,527,699	26,933,892
Realization on purchase price adjustments	603,544	615,953	477,366
Recognition of fair value in the partial sale in subsidiaries			112,052
Option for Acquisition of Equity Instrument	(763,988)	(1,744,336)	(1,816,799)
Goodwill acquisition Santander Services (Santusa)	(179,387)	(209,285)	(239,182)
Tax Credit with realization over 10 years			184,005
Others	512,835	93,224	177,064
Stockholders' equity attributed to the parent under IFRS	105,640,146	105,776,987	96,650,580
Non-controlling interest under IFRS	334,349	312,885	558,581
Stockholders' equity (including non-controlling interest) under IFRS	105,974,495	106,089,872	97,209,161
Net income attributed to the Parent under Brazilian GAAP	14,987,716	13,469,380	14,180,987
IFRS adjustments, net of taxes, when applicable:
Reclassification of financial instruments at fair value through profit or loss	(83,995)	(27,428)	422
Reclassification of  fair value through other comprehensive income	45,826	68,960	451
Impairment of financial assets measured at amortized cost	(1,028,937)	(498,778)	1,872,553
Remensurations, Debt instruments, due to reclassifications IFRS 9		907	(16,659)
Category transfers - IFRS 9	126,520	(78,057)	6,437
Deferral of financial fees, commissions and inherent costs under effective interest rate method	215,525	185,478	346,298
Reversal of goodwill amortization	29,658	145,903	175,257
Realization on purchase price adjustments	(17,758)	(5,348)	(153,752)
Option to Acquire Own Equity Instrument	1,180,949	318,929
Goodwill acquisition Santander Services (Santusa)	29,898	29,898	29,898
Tax credit with realization over 10 years		(184,005)	(75,995)
Others	42,648	(7,311)	41,035
Net income attributed to the parent under IFRS	15,528,051	13,418,528	16,406,932
Non-controlling interest under IFRS	31,272	32,224	224,518
Net income (including non-controlling interest) under IFRS	R$ 15559323	R$ 13450752	R$ 16631450

The following Statements of val

The following Statements of value added is not required under IFRS but being presented as supplementary information as required by Brazilian Corporate Law for publicly-held companies, and has been derived from the Bank´s consolidated financial statements (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reconciliation Of Stockholders Equity And Net Income - Brgaap Vs Ifrs
Interest and similar income	R$ 77987308	R$ 62774940	R$ 72841060
Net fee and commission income	15,273,301	16,228,214	15,713,152
Impairment losses on financial assets (net)	(17,112,734)	(17,450,188)	(13,369,905)
Other income and expense	(3,843,999)	(5,012,403)	(4,025,384)
Interest expense and similar charges	(28,885,478)	(18,332,228)	(28,519,953)
Third-party input	(8,078,399)	(7,946,539)	(7,544,695)
Materials, energy and others	(713,400)	(641,831)	(659,656)
Third-party services	(6,231,129)	(6,424,755)	(6,047,498)
Impairment of assets	(165,799)	(84,908)	(131,435)
Other	(968,071)	(795,045)	(706,106)
Gross added value	35,339,999	30,261,796	35,094,275
Retention
Depreciation and amortization	(2,433,921)	(2,579,127)	(2,391,857)
Added value produced	32,906,078	27,682,669	32,702,418
Investments in affiliates and subsidiaries	144,184	112,261	149,488
Added value to distribute	33,050,262	27,794,930	32,851,906
Added value distribution
Employee	R$ 8045893	R$ 7943711	R$ 8457212
Employee	24.30%	28.60%	25.70%
Compensation	R$ 5929439	R$ 5749669	R$ 5961765
Benefits	1,593,386	1,514,611	1,637,099
Government severance indemnity funds for employees - FGTS	431,249	448,457	502,173
Other	91,819	230,974	356,175
Taxes	R$ 9269368	R$ 6298717	R$ 7674704
Taxes	28.00%	22.70%	23.40%
Federal	R$ 8332994	R$ 10088318	R$ 6571450
State	813	(830,771)	54
Municipal	935,561	(2,958,830)	1,103,200
Compensation of third-party capital - rental	R$ 175677	R$ 101749	R$ 88540
Compensation of third-party capital - rental	0.50%	0.40%	0.30%
Remuneration of interest on capital	R$ 15559324	R$ 13450753	R$ 16631450
Remuneration of interest on capital	47.10%	48.40%	50.60%
Dividends and interest on capital	R$ 9649000	R$ 3837085	R$ 10800000
Profit Reinvestment	5,879,052	9,581,444	5,606,932
Profit (loss) attributable to non-controlling interests	31,272	32,224	224,518
Total	R$ 33050262	R$ 27794930	R$ 32851906
Total	100.00%	100.00%	100.00%