Banco Santander (BSBR) 20-F 28 Feb 23 2022 FY Annual report (foreign) Financial data

Cover

Cover	12 Months Ended
	Dec. 31, 2022 shares
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, 2022
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2022
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
Title of 12(b) Security	American Depositary Shares
Trading Symbol	BSBR
Security Exchange Name	NYSE
Entity Well-known Seasoned Issuer	Yes
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
Document Accounting Standard	International Financial Reporting Standards
Entity Shell Company	false
ICFR Auditor Attestation Flag	true
Auditor Firm ID	1351
Auditor Location	São Paulo
Auditor Name	PricewaterhouseCoopers
Ordinary shares [member]
Entity Addresses [Line Items]
Entity Common Stock, Shares Outstanding	3,787,533,424
Preference shares [member]
Entity Addresses [Line Items]
Entity Common Stock, Shares Outstanding	3,648,674,413
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$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash	R$ 22003439000	R$ 16657201000	R$ 20148725000
Financial Assets Measured At Fair Value Through Profit Or Loss	58,546,614,000	18,858,842,000	60,900,466,000
Debt instruments	3,956,833,000	3,122,017,000	3,545,660,000
Balances With The Brazilian Central Bank	54,589,781,000	15,736,825,000	57,354,806,000
Financial Assets Measured At Fair Value Through Profit Or Loss  Held For Trading	84,834,356,000	70,570,665,000	95,843,126,000
Debt instruments	62,234,621,000	47,752,595,000	68,520,799,000
Equity instruments	2,365,229,000	2,020,610,000	1,818,276,000
Trading derivatives	20,234,506,000	20,797,460,000	25,504,051,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	2,134,332,000	870,162,000	499,720,000
Equity instruments	240,050,000	477,707,000	438,912,000
Loans and advances to customers	1,894,282,000	392,455,000	60,808,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	55,425,671,000	101,241,787,000	109,740,387,000
Debt instruments	55,392,178,000	101,212,600,000	109,668,214,000
Equity instruments	33,493,000	29,187,000	72,173,000
Financial Assets Measured At Amortized Cost	663,824,373,000	633,241,352,000	554,924,796,000
Loans and amounts due from credit institutions	20,713,315,000	26,485,913,000	54,072,564,000
Loans and advances to customers	488,735,746,000	464,451,587,000	393,707,229,000
Debt instruments	81,329,013,000	73,125,011,000	48,367,791,000
Balances With The Brazilian Central Bank	73,046,299,000	69,178,841,000	58,777,212,000
Hedging Derivatives	1,741,318,000	342,463,000	743,463,000
Non-Current Assets Held For Sale	699,136,000	816,345,000	1,092,909,000
Investments in Associates and Joint Ventures	1,727,570,000	1,232,646,000	1,094,985,000
Tax Assets	46,445,994,000	41,757,332,000	41,063,782,000
Current	7,838,406,000	4,117,035,000	3,082,084,000
Deferred	38,607,588,000	37,640,297,000	37,981,698,000
Other Assets	8,274,529,000	6,049,028,000	7,222,411,000
Tangible Assets	8,190,763,000	8,783,785,000	9,537,111,000
Intangible Assets	31,602,734,000	30,786,788,000	30,766,498,000
Goodwill	27,889,327,000	27,915,469,000	28,360,137,000
Other intangible assets	3,713,407,000	2,871,319,000	2,406,361,000
TOTAL ASSETS	985,450,829,000	931,208,396,000	933,578,379,000
Liabilities and Stockholders' Equity
Financial Liabilities Measured At Fair Value Through Profit Or Loss  Held For Trading	40,746,748,000	36,952,567,000	75,020,184,000
Trading derivatives	18,699,325,000	24,172,008,000	29,212,238,000
Short positions	22,047,423,000	12,780,559,000	45,807,946,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss	8,921,518,000	7,459,784,000	7,038,467,000
Deposits from Brazilian Central Bank and deposits from credit institutions	8,921,518,000	7,459,784,000	7,038,467,000
Financial Liabilities at Amortized Cost	795,284,100,000	750,093,694,000	707,288,791,000
Deposits from Brazilian Central Bank and deposits from credit institutions	116,079,014,000	121,005,909,000	131,656,962,000
Customer deposits	489,953,489,000	468,961,069,000	445,813,972,000
Marketable debt securities	107,120,875,000	79,036,792,000	56,875,514,000
Debt instruments eligible to compose capital	19,537,618,000	19,641,408,000	13,119,660,000
Other financial liabilities	62,593,104,000	61,448,516,000	59,822,683,000
Hedging Derivatives		446,973,000	144,594,000
Provisions	9,115,143,000	11,604,482,000	13,814,978,000
Provisions for pensions funds and similar obligations	1,775,202,000	2,728,126,000	3,929,265,000
Provisions for judicial and administrative proceedings, commitments and other provisions	7,339,941,000	8,876,356,000	9,885,713,000
Tax Liabilities	7,810,800,000	8,175,023,000	10,130,248,000
Current	4,168,800,000	5,949,833,000	5,583,653,000
Deferred	3,642,000,000	2,225,190,000	4,546,595,000
Other Liabilities	12,892,344,000	10,501,378,000	14,051,245,000
Total Liabilities	874,770,653,000	825,233,901,000	827,488,507,000
Stockholders' Equity	114,669,276,000	109,046,574,000	106,205,067,000
Share capital	55,000,000,000	55,000,000,000	57,000,000,000
Reserves	54,701,499,000	48,880,561,000	40,414,981,000
Treasury shares	(1,219,316,000)	(713,039,000)	(791,358,000)
Profit for the year attributable to the Parent	14,287,093,000	15,528,052,000	13,418,529,000
Dividends	(8,100,000,000)	(9,649,000,000)	(3,837,085,000)
Other Comprehensive Income	(4,486,442,000)	(3,406,428,000)	(428,080,000)
Stockholders' Equity Attributable to the Parent	110,182,834,000	105,640,146,000	105,776,987,000
Non - Controlling Interests	497,342,000	334,349,000	312,885,000
Total Stockholders' Equity	110,680,176,000	105,974,495,000	106,089,872,000
Total Liabilities and Stockholders' Equity	R$ 985450829000	R$ 931208396000	R$ 933578379000

Consolidated Statement of Incom

Consolidated Statement of Income - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Profit or loss [abstract]
Interest and similar income	R$ 115225118	R$ 77987308	R$ 62774940
Interest expense and similar charges	(67,721,941)	(26,668,842)	(18,332,228)
Net interest income	47,503,177	51,318,466	44,442,712
Income from equity instruments	38,073	90,040	33,754
Income from companies accounted for by the equity method	199,179	144,184	112,261
Fee and commission income	21,237,723	20,388,089	20,606,707
Fee and commission expense	(6,361,843)	(5,114,788)	(4,378,493)
Gains (losses) on financial assets and liabilities (net)	4,153,336	221,782	12,998,060
Financial Assets At Fair Value Through Profit Or Loss	1,626,177	1,555,837	711,949
Financial Assets Measured At Fair Value Through Profit Or Loss  Held For Trading	3,445,525	3,519,626	12,122,794
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	(270,616)	205,016	172,828
Financial instruments not measured at fair value through profit or loss	(239,777)	(665,853)	(239,054)
Other	(407,973)	(4,392,844)	229,543
Exchange differences (net)	545,890	(2,002,286)	(24,700,962)
Other operating expense (net)	(841,002)	(1,119,380)	(872,510)
Total Income	66,474,533	63,926,107	48,241,529
Administrative expenses	(18,240,113)	(17,316,419)	(17,114,960)
Personnel expenses	(9,896,995)	(9,025,702)	(8,871,482)
Other administrative expenses	(8,343,118)	(8,290,717)	(8,243,478)
Depreciation and amortization	(2,585,502)	(2,433,921)	(2,579,127)
Tangible assets	(1,860,043)	(1,850,780)	(2,039,805)
Intangible assets	(725,459)	(583,141)	(539,322)
Provisions (net)	(1,215,490)	(2,179,417)	(1,656,547)
Impairment losses on financial assets (net)	(24,828,749)	(17,112,734)	(17,450,188)
Financial Assets Measured At Amortized Cost and contingent commitments	(24,828,749)	(17,112,734)	(17,450,188)
Impairment losses on other assets (net)	(161,434)	(165,799)	(84,908)
Other intangible assets	(31,251)	(30,160)	(66,269)
Other assets	(130,183)	(135,639)	(18,639)
Gains (losses) on disposal of assets not classified as non-current assets held for sale	22,355	(15,113)	230,713
Gains (losses) on non-current assets held for sale not classified as discontinued operations	109,127	47,625	77,463
Operating Income Before Tax	19,574,727	24,750,328	9,663,975
Income taxes	(5,235,252)	(9,191,005)	3,786,778
Consolidated Net income for the period	14,339,475	15,559,324	13,450,753
Profit attributable to the Parent	14,287,093	15,528,052	13,418,529
Profit attributable to non-controlling interests	R$ 52382	R$ 31272	R$ 32224

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Profit or loss [abstract]
Consolidated Profit for the Year	R$ 14339475	R$ 15559324	R$ 13450753
Other Comprehensive Income that will be reclassified subsequently to profit or loss when specific conditions are met:	(1,108,715)	(3,245,041)	(897,996)
Financial Assets Measured At Fair Value Through Other Comprehensive Income	(707,433)	(2,389,705)	(1,003,155)
Financial Assets Measured At Fair Value Through Other Comprehensive Income	(1,333,521)	(4,255,996)	(1,976,013)
Taxes	626,088	1,866,291	972,858
Cash flow hedges	(401,282)	(855,335)	105,159
Valuation adjustments	(771,020)	(1,628,393)	168,015
Taxes	369,738	773,058	(62,856)
Other Comprehensive Income that will not be Reclassified to net Income:	28,701	266,692	555,624
Defined benefits plan	28,701	266,692	555,624
Defined benefits plan	202,674	592,967	1,110,034
Taxes	(173,973)	(326,275)	(554,410)
Total Comprehensive Income	13,259,461	12,580,976	13,108,381
Attributable to the parent	13,207,079	12,549,704	13,076,157
Attributable to non-controlling interests	R$ 52382	R$ 31272	R$ 32224

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 [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	Dividends And Remuneration [Member]
Balance on December 31, 2021 at Dec. 31, 2019	R$ 57000000	R$ 34877492	R$ 681135	R$ 67000	R$ 16406932	R$ 10800000	R$ 96736289	R$ 3345283	R$ 3746537	R$ 859370	R$ 543825	R$ 96650580	R$ 558581	R$ 97209161
IfrsStatementLineItems [Line Items]
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)
Pension plans									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)
Option to Acquire Own Instrument		(67,000)		67,000
Dividends and interest on shareholders' equity for the previous year		(10,800,000)				10,800,000
Dividends and interest on capital						(3,837,085)	(3,837,085)					(3,837,085)		(3,837,085)
Treasury shares			(110,223)				(110,223)					(110,223)		(110,223)
Other		(2,443)					(2,443)					(2,443)	(277,920)	(280,363)
Treasury shares			110,223				110,223					110,223		110,223
Balance on December 31, 2022 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]
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)
Pension plans									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)
Option to Acquire Own Instrument
Dividends and interest on capital						(9,649,000)	(9,649,000)					(9,649,000)		(9,649,000)
Treasury shares			78,319				78,319					78,319		78,319
Other		51,810					51,810					51,810	(9,808)	42,002
Dividends and interest on capital from prior years		(3,837,085)				3,837,085
Treasury shares			(78,319)				(78,319)					(78,319)		(78,319)
Balance on December 31, 2022 at Dec. 31, 2021	55,000,000	48,880,561	(713,039)		15,528,052	R$ 9649000	109,046,574	(47,576)	(2,924,221)	859,370	(1,294,001)	105,640,146	334,349	105,974,495	R$ 9649000
IfrsStatementLineItems [Line Items]
Total comprehensive income					14,287,093		14,287,093	(707,433)	28,701		(401,282)	13,207,079	52,382	13,259,461
Net profit					14,287,093		14,287,093					14,287,093	52,382	14,339,475
Other comprehensive income								(707,433)	28,701		(401,282)	(1,080,014)		(1,080,014)
Financial Assets Measured At Fair Value Through Other Comprehensive Income								(707,433)				(707,433)		(707,433)
Pension plans									28,701			28,701		28,701
Gain and loss - Cash flow and investment hedge											(401,282)	(401,282)		(401,282)
Appropriation of net income from prior years		15,528,052			(15,528,052)
Spin-Off
Dividends and interest on capital							(8,100,000)					(8,100,000)		(8,100,000)	(8,100,000)
Treasury shares			506,277				506,277					506,277		506,277
Other		(58,114)					(58,114)					(58,114)	110,611	52,497
Dividends and interest on capital from prior years		(9,649,000)													9,649,000
Own Instrument Acquisition Option
Treasury shares			(506,277)				(506,277)					(506,277)		(506,277)
Balance on December 31, 2022 at Dec. 31, 2022	R$ 55000000	R$ 54701499	R$ 1219316		R$ 14287093		R$ 114669276	R$ 755009	R$ 2895520	R$ 859370	R$ 1695283	R$ 110182834	R$ 497342	R$ 110680176	R$ 8100000

Statement of Cash Flows

Statement of Cash Flows - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
1. Cash Flows From Operating Activities
Consolidated profit for the year	R$ 14339475	R$ 15559324	R$ 13450753
Adjustments to profit	50,774,841	(13,898,808)	(31,268,076)
Depreciation of tangible assets	1,860,043	1,850,780	2,039,805
Amortization of intangible assets	725,459	583,141	539,322
Impairment losses on other assets (net)	161,434	165,799	84,908
Provisions and Impairment losses on financial assets (net)	26,044,239	19,292,151	19,106,735
Net Gains (losses) on disposal of tangible assets, investments and non-current assets held for sale	(130,673)	(32,512)	(308,176)
Income from companies accounted by the equity method	(199,179)	(144,184)	(112,261)
Changes in deferred tax assets and liabilities	64,318	2,265,227	(8,232,869)
Monetary Adjustment of Escrow Deposits	(677,373)	(433,629)	(219,447)
Recoverable Taxes	(813,225)	(217,820)	(120,220)
Effects of Changes in Foreign Exchange Rates on Assets and Liabilities	23,513,187	(35,669,654)	(44,250,466)
Others	226,611	(1,558,107)	204,593
Net (increase) decrease in operating assets	(90,965,616)	22,502,791	(139,525,961)
Financial Assets Measured At Fair Value Through Profit Or Loss	(39,687,772)	42,041,624	(26,198,034)
Financial Assets Measured At Fair Value Through Profit Or Loss Held for Trading	(45,411,047)	50,833,925	(43,070,163)
Non-Trading Financial Assets Mandatorily Measured at Fair Value Through Profit or Loss	(1,264,170)	(370,442)	(328,267)
Financial Assets Measured At Fair Value Through Other Comprehensive Income	45,756,767	4,094,548	(14,905,798)
Financial Assets Measured At Amortized Cost	(46,336,754)	(86,179,125)	(80,800,357)
Other assets	(4,022,640)	12,082,261	25,776,658
Net increase (decrease) in operating liabilities	38,775,762	(12,821,626)	200,930,390
Financial Liabilities Measured At Fair Value Through Profit Or Loss held for trading	3,794,181	(38,067,617)	33,203,455
Financial Liabilities Measured At Fair Value Through Profit Or Loss	1,461,734	421,317	1,516,522
Financial liabilities at amortized cost	32,558,536	30,512,246	165,920,919
Other liabilities	961,311	(5,687,572)	289,494
Tax paid	(6,077,436)	(4,534,538)	(1,269,150)
Total net cash flows from operating activities (1)	6,847,026	6,807,143	42,317,956
2. Cash Flows From Investing Activities
Investments	(3,804,400)	(2,977,619)	(2,268,201)
Acquisition of subsidiary, less net cash in the acquisition	(460,245)	(13,746)	(13,570)
Tangible assets	(1,126,111)	(1,162,774)	(1,235,923)
Intangible assets	(1,737,548)	(1,500,562)	(1,018,708)
Non-current assets held for sale	(480,496)	(300,537)
Disposal	1,099,111	1,050,927	1,105,104
Tangible assets	148,555	37,576	47,096
Intangible assets	144,698	298,146	248,923
Non-current assets held for sale	632,914	563,205	663,067
Dividends and interest on capital received	172,944	152,000	146,018
Total net cash flows from investing activities (2)	(2,705,289)	(1,926,692)	(1,163,097)
3. Cash Flows From Financing Activities
Acquisition of own shares	(506,277)	78,319	(110,223)
Issuance of Instruments Eligible to Compose Capital		5,500,000
Issuance of  other long-term financial liabilities	60,583,109	101,784,961	60,047,656
Dividends and interest on capital paid	(7,393,031)	(9,907,319)	(10,280,430)
Payments of other long-term financial liabilities	(39,154,639)	(97,220,580)	(82,900,914)
Payments of interest of Debt Instruments Eligible to Compose Capital	(861,717)	(911,306)	(914,645)
Net increase in non-controlling interests	20,446	17,415	6,842
Capital Increase in Subsidiaries, by Non-Controlling Interests	66,957
Total net cash flows from financing activities (3)	12,754,848	(658,510)	(34,151,714)
Net Increase in Cash (1+2+3)	16,896,585	4,221,941	7,003,145
Cash and cash equivalents at beginning of year	32,668,749	28,446,808	21,443,663
Cash and cash equivalents at end of year	R$ 49565334	R$ 32668749	R$ 28446808

Introduction, basis of presenta

Introduction, basis of presentation of the consolidated financial statements and other information	12 Months Ended
	Dec. 31, 2022
Introduction Basis Of Presentation Of Consolidated Financial Statements And Other Information
Introduction, basis of presentation of the consolidated financial statements and other information	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, 2022, at the meeting held on February 27, 2023. 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 consolidated 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. For a better presentation of certain balances of operations with electricity reception, the comparisons are being remeasured as detailed in note 8. c) Other information c.1) Adoption of new standards and interpretations The following amendments to standards were adopted for the first time for the financial year beginning January 1, 2022: · “Amendment to IAS 37 “Provision, Contingent Liabilities and Contingent Assets”: · “Amendment to IFRS 3 “Business Combinations”: · Annual Improvements – 2018-2020 Cycle: In May 2020, the IASB issued the following amendments as part of the annual improvement process: (i) IFRS 9 - "Financial Instruments" - clarifies which rates must be included in the 10% test for the write-off of financial liabilities. (ii) IFRS 16 - "Leases" - amendment of 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 company, in relation to the measurement of the accumulated amount of exchange rate variations. There were no material impacts on the adoption of these standards. Rules and interpretations that will come into effect after December 31, 2022 On the date of preparation of these consolidated financial statements, the following standards that have effective adoption date after January 1, 2023 and have not yet been adopted by the Bank are: · IFRS 17 · Amendment to IAS 1 "Presentation of Financial Statements": · Amendment to IAS 8 - · Amendment to IAS 12 - There are no other IFRS standards or IFRIC interpretations that are not yet effective 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. In interim consolidated financial statements, estimates are made by management of the Bank and consolidated entities in order to quantify certain assets, liabilities, revenues 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 take into account 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 and 46.c8 present the accounting practice and sensitivity analysis for 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 taking into account 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 present the accounting practice and credit risk measurement measures, 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 required to settle the obligation arising from employee service in current and past periods. Additional details are in note 2.w. iv. Provisions, assets and contingent liabilities Provisions for lawsuits and administrative proceedings are set up when the risk of loss in the lawsuit or administrative lawsuit is assessed as probable and the amounts involved can be measured with sufficient certainty, based on the nature, complexity and history of the lawsuits and the opinion of the legal advisors. internal and external. Note 2.q presents information on provisions and contingent assets and liabilities. There were no significant changes in the Bank's provisions and contingent assets and liabilities between December 31, 2020 - December 31, 2021 and December 31, 2022. 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 amounts expected to be paid or recovered on differences between the carrying amounts of assets and liabilities and their respective calculation bases, and accrued tax credits and losses and the negative basis of CSLL. These amounts are measured at the rates expected to apply 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 utilized, and the deferred tax assets do not result from initial recognition (save in a business combination) of other assets and liabilities in a transaction that affects neither actual profit for tax purposes nor accounting profit. 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 income for them to be used. Recognized deferred tax assets and liabilities are reviewed at each balance sheet date, making the 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.

Accounting policies and method

Accounting policies and method of measurement	12 Months Ended
	Dec. 31, 2022
Accounting Policies And Method Of Measurement
Accounting policies and method of measurement	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 subsidiary, the gain or loss is recognized in the statement of income and is calculated as the difference between: (i) the sum of the fair value of considerations received and the fair value of the residual interest; and (ii) the past balance of assets (including goodwill) and liabilities of the subsidiary and non-controlling interests, if any. All amounts previously recognized in “Other comprehensive income” related to the subsidiary are accounted for as if the Bank had directly disposed of the corresponding assets or liabilities of the subsidiary (i.e., reclassified to profit or loss or transferred to another equity account, as required or permitted by applicable IFRSs). The fair value of any investment held in the former subsidiary on the 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, the cost 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 2022, 2021 and 2020. 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 in the different categories used for management and measurement purposes, except when their presentation is mandatory as "Non-current assets held for sale or if they refer to "Cash and reserves at the Central Bank of Brazil", "Derivatives used as a hedge” and “Investments in associates”, which are accounted for 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 in Other Comprehensive Income: Results arising from changes in fair value are recognized in the item adjustment to market value in shareholders' equity, with the exception of impairment losses, which are recognized in profit or loss. When the financial asset is disposed of or shows signs of a decline in fair value due to non-recovery, the income previously accumulated in the account for 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 in the following headings of the consolidated balance sheet: • Cash and reserves at the Central Bank of Brazil”: cash balances and demand credit balances referring to deposits at Bacen. • 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, with the nature of equity instruments for the issuer, except investments in subsidiaries, jointly controlled entities or affiliates. Unconsolidated investment fund shares are included under this heading. • Trading derivatives: includes the fair value in favor of the Bank of derivatives which do not form part of hedge accounting. • Derivatives used as a hedge: includes the fair value in favor of the Bank of the derivatives designated as hedging instruments (hedge). • 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: 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: 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 in the following headings of the consolidated balance sheet: • “Central Bank of Brazil deposits”: deposits of any nature received from Bacen. • “Deposits from credit institutions”: deposits of any nature, including obligations for loans and onlending and open market funding, received from credit institutions. • “Customer deposits”: includes deposits of any nature, such as demand, savings and time deposits, including open market transactions received from customers. • “Obligations on marketable securities”: includes the value of bonds and other debts represented by negotiable securities, except for subordinated liabilities. • “Derivatives”: includes the fair value with the Bank's negative balance of derivatives that are not part of hedge accounting. • “Short positions”: includes the value of financial liabilities resulting from the direct sale of financial assets purchased through resale or borrowed commitments. • “Subordinated debts”: value of financing received which, for the purposes of payment priority, are below ordinary debts. This category also includes financial instruments issued by the Bank that, although constituting shares for legal purposes, do not meet the requirements for classification as shares. • “Other financial liabilities”: includes the value of payment obligations of the nature of financial liabilities not included in other headings and liabilities subject to financial guarantee contracts, unless classified as doubtful. • “Derivatives used as a hedge: includes the fair value of the Bank's liabilities related to derivatives designated as hedging instruments (hedge). • “Equity instruments”: financial instruments issued by other entities, such as shares, with the nature of equity instruments for the issuer, except investments in subsidiaries, joint ventures or affiliates. d) Funding, debt notes issued and other liabilities Fundraising instruments are initially recognized at fair value, which is basically considered to be the transaction price. They are subsequently measured at amortized cost (accrual) with the associated expenses recognized as a finance cost. Among the criteria for initial recognition of liabilities, mention should be made of those instruments of a compound nature, which are classified as such, given the existence of a debt instrument (liability) and an embedded equity component (derivative). The registration of a compound instrument consists of the conjugation of (i) a main instrument, which is recognized as a genuine liability of the entity (debt) and (ii) an equity component (convertibility derivative into common shares). The issuance of “Notes” must be registered in a specific liability account and updated according to the agreed rates and adjusted for the effect of exchange variation, 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 denominated) must be accounted for as expenses for the period, obeying the accrual basis. Details on the issuance of these debt instruments eligible for capital are described in 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 deducting estimated transaction costs that would eventually be incurred upon disposal, except for financial assets measured at amortized cost, investments held to maturity, equity instruments whose fair value cannot be determined in a sufficiently objective manner and financial derivatives whose object is equity instruments of this type and which are settled upon delivery of these instruments. The “fair value” of a financial instrument at a given date is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it in an active, transparent and meaningful market (“quoted price” or “market price”). If there is no market price for a given financial instrument, its fair value is estimated based on valuation techniques normally adopted by the international financial community, taking into account the specific characteristics of the instrument to be measured and, above all, the different types of risks associated with it. All derivatives are recognized in the balance sheet at fair value from the trade date. When the fair value is positive, they are recognized as assets; when negative, as liabilities. Changes in the fair value of derivatives since the trade date are recognized under “Gains (losses) on financial assets and liabilities” in the consolidated statement of income. Specifically, the fair value of standard financial derivatives included in portfolios of financial assets or liabilities measured at fair value through profit or loss is considered equivalent to their daily quoted price; if, for exceptional reasons, it is not possible to determine the quoted price on a specific date, these derivatives are measured using methods similar to those used to measure derivatives traded on the over-the-counter market. The fair value of derivatives traded on the over-the-counter market is considered equivalent to the sum of future cash flows resulting from the instrument, discounted to present value on the measurement date ("present value" or "theoretical closing"), adopting valuation techniques commonly adopted by financial markets: Net Present Value - NPV, option pricing models and other methods. “Financial assets measured at amortized cost” and “Investments held to maturity” are measured at amortized cost, using the effective interest rate method. “Amortized cost” is the acquisition cost of a financial asset or liability, plus or minus, as the case may be, principal payments and the accumulated amortization (included in the income statement) of the difference between the initial cost and the carrying amount. maturity. In the case of financial assets, the amortized cost also includes any reductions due to non-recovery or impossibility of collection. In the case of financial assets measured at amortized cost that are hedged in fair value hedges, changes in the fair value of these assets related to the risk(s) that are hedged are recognized. The “Effective interest rate” is the discount rate that corresponds exactly to the initial value of the financial instrument in relation to the totality of its estimated cash flows, of all kinds, throughout its remaining useful life. In the case of fixed income financial instruments, the effective interest rate coincides with the contractual interest rate defined on the contracting date, plus, as the case may be, commissions and transaction costs that, by their nature, are part of their financial feedback. In the case of variable income financial instruments, the effective interest rate coincides with the rate of return in effect on all commitments up to the next reference date for interest renewal. Equity instruments whose fair value cannot be determined objectively enough are measured at acquisition cost, adjusted, as the case may be, for related impairment losses. The amounts at which financial assets are recognized represent, in all material respects, the Bank's maximum exposure to credit risk on the date of each of the financial statements. In addition, the Bank received guarantees and other credit enhancements to mitigate its exposure to credit risk, which mainly comprise mortgages, cash collateral, equity instruments, sureties, assets leased under leasing and lease agreements, assets acquired under commitments repurchase agreements, securities lending and derivatives. ii. Measurement of financial liabilities In general, financial liabilities are measured at amortized cost, as previously defined, except for those included in the headings "Financial liabilities measured at fair value through profit or loss" and "Other financial liabilities measured at fair value through profit or loss" and financial liabilities designated as subject hedges (or hedging instruments) into 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, 2022, 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 benefits related to the transferred assets are transferred to third parties: If the Bank substantially transfers all risks and rewards to third parties, unconditional sale of financial assets, sale of financial assets based on an agreement that provides for their repurchase at fair value on the repurchase date, sale of financial assets with an option purchase a call or a put sale that is significantly off-priced, asset securitizations in which the transferor does not retain a subordinated debt or grant a credit enhancement to new holders, and other similar events, the transferred financial asset is written off and any rights or obligations retained or created in the transfer are recognized simultaneously. If the Bank retains substantially all the risks and rewards associated with the transferred financial asset, sale of financial assets based on an agreement that provides for their repurchase at a fixed price or at the sale price plus interest, a securities loan agreement in which the borrower undertakes to return the same or similar assets and other similar hypotheses, the transferred financial asset is not written off and continues to be measured using the same criteria used before the transfer. However, the following items are recognized: A corresponding financial liability, for an amount equal to the consideration received; this liability is subsequently measured at amortized cost. The income from the transferred financial asset not derecognized and any expense incurred on the new financial liability. If the Bank does not transfer or retain 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 significantly out of price, securitization of assets in which the transferor retains subordinated debt or other type of credit enhancement in respect of a portion of the transferred asset and other similar assumptions - the following distinction is made: If the transferor does not retain control of the transferred financial asset, the asset is derecognized and any rights or obligations retained or created on the transfer are recognized. If the transferor retains control, it continues to recognize the transferred financial asset at an amount equivalent 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 related liability is the amortized cost of the retained rights and obligations, if the transferred asset is measured at amortized cost, or the fair value of the retained rights and obligations, 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 assets and liabilities are offset, i.e., recorded in the balance sheet at their net amount, only if the Bank and its subsidiaries currently have a legally enforceable right to offset the recognized amounts and intend to settle on a net basis, or realize the asset and settle the passive simultaneously. Obligation Clearing and Settlement Agreements – IFRS 07 – Derivative Instruments (Disclosure) - Banco Santander has an obligation clearing and settlement agreement within the scope of the National Financial System (SFN), entered with individuals and legal entities that are or are not part of the SFN, resulting in greater guarantee of financial settlement, with the parties that have this type of agreement. These agreements establish that payment obligations to Banco Santander arising from credit operations and derivatives, in the event of default by the counterparty, will be offset against Banco Sant

Basis of consolidation

Basis of consolidation	12 Months Ended
	Dec. 31, 2022
Basis Of Consolidation
Basis of consolidation	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 in Note 11. Schedule of regarding companies accounted by the equity method by the Bank is provided Quantity of Shares or Quotas Owned (in Thousands) 12/31/2022 Investments Activity Common Shares and Quotas Preferred Shares Direct Participation Consolidated Participation Controlled by Banco Santander Aymoré Crédito, Financiamento e Investimento S.A. (Aymoré CFI) Financial 50,159 - 100.00 100.00 Ben Benefícios e Serviços Instituição de Pagamentos S.A.(BEN Benefícios) Means of Payment 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. (GIRA) Tecnology 381 - 80.00 80.00 Liderança Serviços Especializados em Cobranças Ltda. Collection Management and Credit Recovery 257,306 - 100.00 100.00 Return Capital Serviços de Recuperação de Créditos S.A. Collection Management and Credit Recovery 31,857 - 100.00 100.00 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 575,670 - 100.00 100.00 Santander Corretora de Câmbio e Valores Mobiliários S.A. (Santander CCVM) Broker 14,067,640 14,067,640 99.99 99.99 Santander Corretora de Seguros, Investimentos e Serviços S.A. (Santander Corretora de Seguros) Broker 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 241,941 - 100.00 100.00 SX Negócios Ltda. Other Activities 75,050 - 100.00 100.00 SX Tools Soluções e Serviços Compartilhados LTDA Other Activities 192,000 - 100.00 100.00 Controlled by Aymoré CFI Banco PSA Finance Brasil S.A. (Banco PSA) Bank 105 - 50.00 50.00 Banco Hyundai Capital Brasil S.A. Bank 150,000 - 50.00 50.00 Solution 4Fleet Consultoria Empresarial S.A. (Solution 4Fleet) Tecnology 328 - 80.00 80.00 Controlled by Santander Leasing Banco Bandepe S.A. Bank 3,589 - 100.00 100.00 Santander Distribuidora de Títulos e Valores Mobiliários S.A. (Santander DTVM) Distributor 461 - 100.00 100.00 Controlled by Sancap Santander Capitalização S.A. Capitalization 64,615 - 100.00 100.00 Evidence Previdência S.A. Private Pension 42,819,564 - 100.00 100.00 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. (Apê11) Technology 3,808 - 0.00 90.00 Controlled by Santander Corretora de Títulos de Valores Mobiliários Ltda Toro Corretora de Títulos e de Valores Mobiliários Ltda. (Toro CTVM) Broker 21,726 - 0.00 63.00 Toro Investimentos S.A. Investments 44,101 - 0.00 14.78 Controlled by Toro Corretora de Títulos de Valores Mobiliários Ltda Toro Investimentos S.A. Investments 228,461 - 0.00 76.55 Jointly Controlled Companies by Sancap Santander Auto S.A. Technology 22,452 - 0.00 50.00 Controlled by Toro Investimentos S.A. Monetus Investimentos S.A. Investments 918,264 - 0.00 100.00 Mobills Labs Soluções em Tecnologia Ltda. Technology 1,122,000 - 0.00 100.00 Controlled by Mobillis Labs Soluções em Tecnologia Ltda Mob Soluções em Tecnologia Ltda. Technology 20 - 0.00 100.00 Controlled by Monetus Investimentos S.A. Mobills Corretora De Seguros Ltda. Broker 510 - 0.00 100.00 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); · Fundo de Investimentos em Direitos Creditórios – Getnet (8); · Santander Flex Fundo de Investimento Direitos Creditórios (9); · San Créditos Estruturados - Fundo de Investimento em Direitos Creditórios Não Padronizado (9). (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 constituted and started to be consolidated in September 2017. It refers to a structure where Banco Santander disposed of certain loan operations, which had already been transferred to loss (operations overdue for more than 360 days) to this background. Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. (current name of Atual Companhia Securitizadora de Créditos 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. (8) This fund became consolidated in June 2022 and is controlled through Aymoré CFI, which holds 100% of the shares in this fund. (9) These funds began to be consolidated in November 2022 and are controlled by through Return Capital Serviços de Recuperação de Credit S.A. owns 100% quotas of these funds. 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. a) Investment by Lexisnexis Serviços de Análise de Risco Ltda. at Credit Intelligence Manager S.A. On December 20, 2022, Banco Santander (Brasil) S.A. (“Santander”), together with the other shareholders, closed the investment transaction, through the subscription of new shares, by Lexisnexis Serviços de Análise de Risco Ltda. (“Lexisnexis”) at Gestora de Informação de Crédito S.A. (“GIC”). With the conclusion of the subscription, Lexisnexis becomes a shareholder of shares equivalent to 20% (twenty percent) of the share capital of GIC. With the implementation of the closure and the entry of Lexisnexis into the GIC, Santander now holds 15.559% of the shares issued by the GIC. b) Sale of the entire stake held by Aymoré Crédito, Financiamento e Investimento S.A. at Banque PSA Finance, S.A. and Santander Corretora de Seguros, Investimentos e Serviços S.A. at PSA Corretora de Seguros e Serviços Ltda. On November 29, 2022, Aymoré Crédito, Financiamento e Investimento S.A. (“Aymoré”) and Santander Corretora de Seguros, Investimentos e Serviços S.A. (“Santander Corretora de Seguros”) formalized, with Banque PSA Finance, S.A. (“Banque PSA”) and Stellantis Services Ltd. (“Stellantis Services”), a certain agreement for the purchase and sale of equity interests and other covenants referring to the sale of equity interests held by (a) Aymoré, representing 50% (fifty percent) of the share capital of Banco PSA Finance Brasil S.A., for Banque PSA, and (b) by Santander Corretora de Seguros, representing 50% (fifty percent) of the share capital of PSA Corretora de Seguros e Serviços Ltda., for Stellantis Services (“Transaction”). The execution of the Transaction will be subject to the implementation of certain usual conditions in this type of transaction, including the applicable regulatory approvals. c) Investment by Santander Corretora de Seguros, Investimentos e Serviços S.A. at Biomas – Serviços Ambientais, Restauração e Carbono S.A. On November 9, 2022, Santander Corretora de Seguros, Investimentos e Serviços S.A. (“Santander Corretora”) entered into an investment agreement to become a shareholder (“Operation”) of Biomas – Serviços Ambientais, Restauração e Carbono S.A. (“Biomes”). Biomas is a company formed with the purpose of providing services aimed at the development and execution of activities aimed at restoring and converting biodiversity and natural ecosystems, thus aligning itself with the ESG (Environmental, Social and Governance) purposes of Grupo Santander. The execution of the Transaction will be subject to the execution of definitive instruments and the implementation of certain usual conditions in this type of transaction, including the applicable regulatory approvals. d) Total spin-off of Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. to Return Capital S.A. e Liderança Serviços Especializados em Cobrança Ltda. On October 31, 2022, Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. (“Atual”) was fully spun off and its assets were absorbed by both of its direct subsidiaries, Return Capital S.A. (“Return”) and Leadership Serviços Especializados em Cobrança Ltda. (“Leadership”) in accordance with the proportions established in the Transaction's Protocol and Justification. With the implementation of the total spin-off, Return's capital was increased by R$3,990,617,559.32 and Leadership by R$267,027,054.61, both now being held directly by Banco Santander (Brasil) S.A. as the sole shareholder of Return and sole partner of Leadership. e) Acquisition of interest in SX Tools Soluções e Serviços Compartilhados Ltda On September 26, 2022, Banco Santander (Brasil) S.A. (“Banco Santander”) subscribed to the capital increase of SX Tools Soluções e Serviços Escolhas Ltda (“SX Tools”), becoming the sole shareholder of the company. On September 30, 2022, capital payment was pending. SX Tools will primarily provide services to Banco Santander and Group companies and will focus on contracting technology suppliers to provide such services. f) Acquisition of 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, with CSD Central de Serviços de Registro e Depósito to Mercados Financeiros e de Capitals S.A. (“CSD BR”) and its respective shareholders, a certain investment agreement and other covenants (“Agreement”) with a view to subscribing for a minority interest in CSD BR (“Operation”). CSD BR operates as a registrar of financial assets, derivatives, securities and insurance policies, authorized by the Central Bank of Brazil, the Securities and Exchange Commission and the Superintendence of Private Insurance. After fulfilling the precedent conditions established in the Agreement, the Transaction was closed on May 26, 2022, so that Santander Corretora now holds 20% (twenty percent) of the shareholding in CSD BR. g) Sale of the entire stake held in Paytec Tecnologia em Pagamentos Ltda. and Paytec Logística e Armazém Ltda. On May 26, 2022, Banco Santander signed, together with Getnet Adquirência e Serviços para Meios de Pagamento S.A. – Payment Institution (“Getnet IP”), the agreement for the purchase and sale of shares, transfer of ownership and other agreements, of 100% of the shares of Paytec Tecnologia em Pagamentos Ltda. ("Operation"). With the implementation of the Transaction, Getnet IP now directly holds 100% of the shares of Paytec Tecnologia em Pagamentos Ltda and indirectly controls Paytec Logística e Armazém Ltda. h) Acquisition of Equity Interest in Monetus Investimentos Ltda. and Monetus Corretora de Seguros Ltda. On June 15, 2021, Santander Distribuidora de Títulos e Valores Mobiliários S.A. (“Santander DTVM”, new corporate name of PI Distribuidora de Títulos e Valores Mobiliários S.A.), Toro Corretora de Títulos e Valores Mobiliários S.A. (“Toro CTVM”), and Toro Investimentos S.A. (“Toro Investimentos” and, together with Toro CTVM, “Toro”), together with the partners of Monetus Investimentos Ltda., and Monetus Corretora de Seguros Ltda. (jointly “Monetus”), investment agreement and other covenants, whereby, once the operation is carried out, Toro Investimentos would hold 100% of the capital stock of Monetus (“Operation”). Monetus, originally from Belo Horizonte, carries out its activities through an automated objective-based investment application. After compliance with the applicable conditions precedent, the closing of the Transaction was formalized on January 4, 2022. l) Acquisition of Equity Interest in Mobills Labs Soluções em Tecnologia Ltda. and Mob Soluções em Tecnologia Ltda. On June 15, 2021, Santander Distribuidora de Títulos e Valores Mobiliários S.A. (“Santander DTVM”, new corporate name of PI Distribuidora de Títulos e Valores Mobiliários S.A.), Toro Corretora de Títulos e Valores Mobiliários S.A. (“Toro CTVM”), and Toro Investimentos S.A. (“Toro Investimentos” and, together with Toro CTVM, “Toro”), together with the partners of Mobills Labs Soluções em Tecnologia Ltda., and Mob Soluções em Tecnologia Ltda (jointly “Mobills”), an investment and other agreements, whereby, once the operation is completed, Toro Investimentos would hold 100% of the capital stock of Mobills (“Operation”). Headquartered in Ceará, Mobills has a variety of financial applications that have a large user base, especially related to financial planning. After compliance with the applicable conditions precedent, the closing of the Transaction was formalized on January 4, 2022. j) Acquisition of equity interest in Apê11 Tecnologia e Negócios Imobiliários Ltda. On September 2, 2021, Santander Holding Imobiliária S.A. (“SHI”) – wholly owned subsidiary of the Company – entered into, together with the partners of Apê11 Tecnologia e Negócios Imobiliários Ltda. (“Apê11”), certain Share Purchase and Sale Agreement and Investment Agreement, by which, once the operation is carried out, it would hold 90% of the share capital of Apê11 (“Operation”). Apê11 acts as a collaborative marketplace, a pioneer in digitizing the journey of buying houses and apartments. After complying with the precedent conditions established in the Share Purchase and Sale Investment Agreement, the closing of the Transaction was formalized on December 16, 2021. k) Acquisition of Equity Interest in Solution 4Fleet Consultoria Empresarial Ltda. On July 13, 2021, Aymoré Crédito, Financiamento e Investimento S.A. (“Aymoré”), celebrated, together with the partners of Solution 4Fleet Consultoria Empresarial Ltda. (“Solution4Fleet”), certain Investment Agreement and Share Purchase and Sale Agreement, whereby, once the operation is carried out, Aymoré would hold 80% of the share capital of Solution 4Fleet (“Operation”). Solution 4Fleet specializes in structuring vehicle leasing and subscription business – a long-term rental modality for individuals. After complying with the precedent conditions established in the Share Purchase and Sale Investment Agreement, the closing of the Transaction was formalized on October 8, 2021. I) Acquisition of Equity Interest in Liderança Serviços Especializados em Cobranças Ltda. (“Liderança”) and Fozcobra Agência de Cobranças Ltda. (“Fozcobra”) and subsequent incorporation of Fozcobra by Liderança. On August 4, 2021, Atual Serviços de Recuperação de Créditos e Meios Digitais S.A. (“Atual”) – a wholly owned subsidiary of the Company – entered into, together with the partners of Líder Serviços Especializados em Cobranças Ltda. (“Liderança”), certain Share Assignment Agreement and Other Covenants, by which, once the operation is carried out, it would hold 100% of the share capital of Liderança (“Operation”). Liderança operates in the area of ​​overdue credit recovery, providing extrajudicial collection services to financial institutions of different sizes, retail chains, telecommunications operators and automakers, among others, and has a subsidiary, Fozcobra Agência de Cobranças Ltda. After complying with the precedent conditions established in the Quota Assignment Agreement and Other Covenants, the closing of the Transaction was formalized on October 1, 2021. Subsequently, Fozcobra was incorporated by the Liderança on October 4, 2021. m) 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, together with the partners of Car10 Tecnologia e Informação S.A. (“Car10 Tecnologia”) and Pag10 Fomento Mercantil Eireli. (“Pag10” and, jointly with Car10 Tecnologia, “Car10”), certain Investment Agreements and Agreements for the Purchase and Sale of Shares, whereby, once the transaction is completed, Webmotors would hold approximately 66.7% of the share capital of Car10 Tecnologia which, in turn, is the sole owner of Pag10 (“Operation”). Car10 acts as a marketplace that brings together more than 7,000 service providers such as garages and auto centers; auto body and Paint; and cleaning and sanitation, in addition to emergency assistance and towing. After complying with the precedent conditions established in the Share Purchase and Sale Investment Agreement, the closing of the Transaction was formalized on September 20, 2021. n) Corporate reorganization Santander Leasing S.A. Arrendamento Mercantil e Banco Bandepe S.A. On May 11, 2021, Banco Santander (Brasil) S.A. (“Banco Santander”) and Banco Bandepe S.A. (“Bandepe”) entered into an Agreement for the Purchase and Sale of Shares through which Banco Santander acquired the entire equity interest 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, it was decided to merge all of Bandepe's shares into Santander Leasing, in order to convert Bandepe into a wholly-owned subsidiary of Santander Leasing ("Merger of Shares"). o) Execution of an Agreement for the Acquisition of Equity Interest in Toro Controle On September 29, 2020, Santander Distribuidora de Títulos e Valores Mobiliários S.A. (“Santander DTVM”, the new corporate name of PI Distribuidora de Títulos e Valores Mobiliários S.A.), which is indirectly controlled by Banco Santander, entered into with the shareholders of Toro Controle e Participações S.A. (“Toro Controle”), investment agreement and other covenants. Toro Controle was a holding company that ultimately controlled Toro Corretora de Títulos e Valores Mobiliários S.A. (“Toro CTVM”) and Toro Investimentos S.A. (“Toro Investimentos” and jointly “Toro”). Toro is an investment platform founded in Belo Horizonte in 2010. In 2018, it received the necessary authorizations and started operating as a securities brokerage focused on the retail public. After compliance with all applicable suspensive conditions, including approval by the Central Bank of Brazil, the operation was carried out on April 30, 2021, with the acquisition of shares representing 60% of the share capital of Toro Controle and its immediate incorporation by Toro CTVM, so that Santander DTVM 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. p) Split of Getnet Acquiring and Services for Means of Payment S.A. After the approval of the studies and favorable proposal by the Board of Directors of Santander Brasil, on March 31, 2021, the shareholders of Santander Brasil approved the spin-off of Santander Brasil, for the segregation of the shares owned by it issued by Getnet Adquirência e Serviços for Means of Payments S.A. (“Getnet”), with a version of the spun-off portion for Getnet itself. Upon completion of the spin-off, shareholders of Santander Brasil became direct shareholders of Getnet in proportion to their interest in the share capital of Santander Brasil. As a result of the Spin-off, Santander Brasil's share capital was reduced by a total amount of R$2,000,000 (two billion reais), without canceling shares, with Santander Brasil's share capital of R$57,000,000 (fifty and seven billion reais) to R$55,000,000 (fifty-five billion reais).

Cash and balances with the Braz

Cash and balances with the Brazilian Central Bank	12 Months Ended
	Dec. 31, 2022
Cash And Balances With Brazilian Central Bank
Cash and balances with the Brazilian Central Bank	Cash and balances with the Brazilian Central Bank Schedule of cash and balances with the Brazilian Central Bank Thousand of reais 2022 2021 2020 Cash 4,001,885 4,026,282 4,266,197 Cash and Foreign currency application abroad 18,001,554 12,630,919 15,882,528 Compromised operations 27,344,519 15,055,356 7,306,408 Interbank Deposit Applications (CDI) 217,376 956,192 991,675 Total 49,565,334 32,668,749 28,446,808

Loans and amounts due from cred

Loans and amounts due from credit institutions	12 Months Ended
	Dec. 31, 2022
Loans And Amounts Due From Credit Institutions
Loans and amounts due from credit institutions	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: Schedule of consolidated financial statements Thousand of reais 2022 2021 2020 Classification: Financial Assets Measured At Amortized Cost 20,713,315 26,485,913 54,072,564 Of which: Loans and amounts due from credit institutions, gross 20,725,914 26,507,738 54,081,629 Impairment losses (note 9.c) (12,599) (21,825) (9,065) Loans and amounts due from credit institutions, net 20,713,315 26,485,913 54,072,564 Loans and amounts due from credit institutions, gross 20,725,914 26,507,738 54,081,629 Type: Time deposits 7,655,416 9,255,101 9,059,204 Reverse repurchase agreements (1) 2,430,956 4,129,438 699,035 Escrow deposits 10,267,493 10,200,137 10,773,280 Other accounts 372,049 2,923,062 33,550,110 Total 20,725,914 26,507,738 54,081,629 (1) Guaranteed by debt instruments. Schedule of Loans and amounts due from credit institutions currency Thousand of reais 2022 2021 2020 Currency: Brazilian Real 19,796,533 23,669,165 51,088,578 US dollar 676,709 2,445,781 2,778,913 Euro 252,672 392,793 214,138 Total 20,725,914 26,507,739 54,081,629 Schedule of Cash equivalents Thousand of reais 2022 2021 2020 Cash equivalents: Short-term transactions and low risk of change in its value (1) 2,617,866 4,856,771 1,690,709 (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, 2022
Debt Instruments
Debt instruments	Debt instruments The breakdown, by classification, type and currency, of the balances of “Debt instruments” is as follows Schedule of breakdown, by classification, type and currency, of the balances of debt instrument Thousand of reais 2022 2021 2020 Classification: Financial Assets Measured At Fair Value Through Profit Or Loss 3,956,833 3,122,017 3,545,660 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 62,234,621 47,752,595 68,520,799 Financial Assets Measured At Fair Value Through Other Comprehensive Income 55,392,178 101,212,600 109,668,214 Financial Assets Measured At Amortized Cost 81,329,013 73,125,011 48,367,791 Of which: Debt Instruments 82,502,775 74,315,903 49,945,226 Provision for losses due to non-recovery ("impairment") (note 9.c) (1,173,762) (1,190,892) (1,577,435) Total 202,912,645 225,212,223 230,102,464 Type: Government securities - Brazil (1) 142,748,873 171,436,589 191,896,439 Debentures and Promissory notes 28,251,227 19,881,934 17,071,856 Other debt securities 31,912,545 33,893,700 21,134,169 Total 202,912,645 225,212,223 230,102,464 (1) Includes, substantially, National Treasury Bills (LTN), Treasury Bills (LFT) e National Treasury Notes (NTN-A, NTN-B, NTN-C e NTN-F). The debt instruments are composed, majority by Schedule of debt instruments are composed, majority Thousand of reais 2022 2021 2020 Currency: Brazilian Real 185,814,293 208,599,863 207,752,590 US dollar 17,098,352 16,612,360 22,292,647 Euro - - 57,227 Total 202,912,645 225,212,223 230,102,464 Schedule of debt Instruments linked to Thousand of reais 2022 2021 2020 Debt Instruments linked to: Repo Operations 60,633,943 76,211,049 101,371,733 Operations guarantees in B3 S.A. - Brasil, Bolsa, Balcão (B3 S.A.) 19,251,597 19,470,624 12,963,251 Associated to judiciary deposits and other guarantees 15,235,912 23,291,528 9,665,135 Total 95,121,452 118,973,201 124,000,119 Note 43-d contains details of the residual maturity periods of financial assets measured at fair value through Other Comprehensive Income and related financial assets measured at amortized cost. In the second quarter of 2022, in accordance with the best corporate governance practices, Management approved the change in the business model of bonds and securities, from held with the objective of collecting contractual cash flows and selling to held with the objective of collect from contractual cash flows, in the amount of R$ 11 billion with no impact on results, with the balance in Equity reversed in full. This decision is based on a response to the changes brought about by the approval of Law 14,031/20 and, with the objective of adapting the new conditions of interest rate risk management, the pre-fixed public securities LTNs that were used to cover the interest rate differential interest rates were reclassified on April 1, 2022. Such change in legislation entails changing the Management Model used by Management to manage these securities, and it is estimated that the LTNs maturing in 2024 no longer fit into “ Held to Collect and Sell”, and, with the extinction of the fiscal asymmetry of investments abroad, such securities will be used exclusively with the purpose of collecting cash flows. Thus, with the reclassification carried out on April 1, 2022, Federal Public Securities - LTNs maturing in 2024 are no longer recorded at Fair Value in Other Comprehensive Income, and become effective only for Payment of Principal and Interest. This event entails the full reversal of the mark-to-market amount recorded in Other Comprehensive Income on the reclassification date in the gross total of R$1,025 million, reducing, on the other hand, the value of the registered asset.

Equity instruments

Equity instruments	12 Months Ended
	Dec. 31, 2022
Equity Instruments
Equity instruments	Equity instruments a) Breakdown The breakdown, by classification and type, of the balances of “Equity instruments” is as follows Schedule of breakdown, by classification and type, of the balances of equity instruments Thousand of reais 2022 2021 2020 Classification: Financial Assets Measured At Fair Value Through Profit or Loss Held For Trading 2,365,229 2,020,610 1,818,276 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss 240,050 477,707 438,912 Financial Assets Measured At Fair Value Through Other Comprehensive Income 33,493 29,187 72,173 Total 2,638,772 2,527,504 2,329,361 Type: Shares of Brazilian companies 1,458,883 1,869,824 1,953,128 Shares of foreign companies 60,235 48,825 13,617 Investment funds (1) 1,119,654 608,855 362,616 Total 2,638,772 2,527,504 2,329,361 (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: Schedule of Equity instruments - Financial assets measured at fair value through profit or loss held for trading Thousand of reais 2022 2021 2020 Balance at beginning of year 2,020,610 1,818,276 2,029,470 Net additions (disposals) 344,619 202,334 (211,194) Balance at end of year 2,365,229 2,020,610 1,818,276 The changes in the balance of “Equity instruments – Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss” were as follows: Schedule of Equity instruments - Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss Thousand of reais 2022 2021 2020 Balance at beginning of year 477,707 438,912 171,453 Net additions (disposals) (237,657) 38,795 267,459 Balance at end of year 240,050 477,707 438,912 The changes in the balance of “Equity instruments – Financial Assets Measured At Fair Value Through Other Comprehensive Income” were as follows: Schedule of Equity instruments - Financial Assets Measured At Fair Value Through Other Comprehensive Income Thousand of reais 2022 2021 2020 Balance at beginning of year 29,187 72,173 157,306 Net additions (disposals) 4,306 (42,986) (85,133) Balance at end of year 33,493 29,187 72,173

Derivative financial instrument

Derivative financial instruments and Short positions	12 Months Ended
	Dec. 31, 2022
Derivative Financial Instruments And Short Positions
Derivative financial instruments and Short positions	Forward Contracts and Others" in the amounts of R$ 2,623,106 Summary by Category Summary by Category Trading 2022 2021 2020 Notional Curve Value Fair Value Notional (1) Curve Value Fair Value Notional (1) Curve Value Fair Value Swap 779,023,280 (3,682,261) 2,603,217 837,762,019 (1,804,744) (897,350) 398,925,842 (3,076,947) (3,597,969) Assets 393,351,898 11,857,946 13,815,247 418,137,448 13,162,674 7,641,355 278,752,387 6,249,519 14,729,642 CDI (Interbank Deposit Rates) 85,498,232 3,624,970 5,069,441 66,837,268 318,541 (778,177) 41,316,315 326,586 3,010,880 Fixed Interest Rate - Real 186,961,127 772,985 4,902,157 231,741,021 9,269,271 6,412,471 54,159,848 4,013,563 9,607,342 Indexed to Price and Interest Rates 182,645 22,536 14,225 2,089,110 - (234,488) 5,124,411 - - Foreign Currency 116,577,474 1,292,203 4,764,609 91,837,446 799,550 2,003,728 178,076,136 959,322 1,039,529 Others 4,132,420 145,252 (935,185) 25,632,603 2,775,313 237,822 75,676 950,048 1,071,891 Liabilities 385,671,382 (15,540,207) (11,212,030) 419,624,571 (14,967,418) (8,538,705) 120,173,455 (9,326,465) (18,327,611) CDI (Interbank Deposit Rates) 79,217,799 (4,057,095) (4,363,542) 321,402,883 (4,171,481) (12,327,484) 33,239,801 (6,911,748) (13,693,733) Fixed Interest Rate - Real 210,472,552 (8,512,023) (4,347,433) 48,874,762 (6,760,576) 2,467,425 45,088,689 (2,183,507) (2,772,479) Indexed to Price and Interest Rates 626,129 (166,138) (87,692) 22,827,336 - (728,677) 33,026,692 - (450,958) Foreign Currency 91,303,383 (2,804,302) (3,494,263) 887,129 (28,407) 2,287,852 6,636,885 (25) 153,695 Others 4,051,519 (649) 1,080,900 25,632,461 (4,006,955) (237,822) 2,181,388 (231,186) (1,564,135) Options 1,150,540,616 (877,100) (475,243) 1,130,172,099 (595,345) (870,355) 2,043,286,085 (282,110) 47,624 Purchased Position 600,275,162 2,243,354 1,419,279 564,829,758 1,240,879 1,385,889 1,006,266,897 1,869,806 4,974,618 Call Option - US Dollar 10,629,479 440,097 214,722 9,898,179 271,464 382,237 1,188,387 47,898 39,202 Put Option - US Dollar 4,474,015 122,896 124,163 4,094,316 140,280 187,123 1,948,673 79,019 109,075 Call Option - Other 94,414,288 674,574 577,487 31,248,540 459,995 510,977 134,761,947 558,794 1,093,583 Interbank Market 92,324,275 608,913 555,707 28,499,055 444,446 495,214 101,421,659 557,167 556,039 Others (2) 2,090,013 65,661 21,780 2,749,485 15,549 15,763 33,340,288 1,627 537,544 Put Option - Other 490,757,380 1,005,787 502,907 519,588,723 369,140 305,553 868,367,889 1,184,095 3,732,758 Interbank Market 490,535,950 980,433 480,682 519,588,723 369,140 305,553 864,852,555 1,183,630 3,729,297 Others (2) 221,430 25,354 22,225 - - - 3,515,334 464 3,461 Sold Position 550,265,454 (3,120,454) (1,894,522) 565,342,341 (1,836,224) (2,256,244) 1,037,019,188 (2,151,915) (4,926,994) Call Option - US Dollar 6,763,742 (292,212) (165,919) 4,111,016 (170,553) (152,348) 1,537,670 (70,201) 699,243 Put Option - US Dollar 8,885,700 (409,758) (508,584) 4,017,161 (348,715) (287,825) 2,315,919 (137,061) (192,335) Call Option - Other 42,840,737 (1,590,130) (821,508) 33,383,234 (719,460) (872,335) 130,919,394 (588,023) (453,919) Interbank Market 33,377,728 (575,451) (349,710) 31,730,928 (713,773) (858,586) 120,156,285 (566,813) (464,405) Others (2) 9,463,009 (1,014,679) (471,798) 1,652,305 (5,687) (13,749) 10,763,109 (21,210) 10,486 Put Option - Other 491,775,275 (828,354) (398,511) 523,830,930 (597,497) (943,736) 902,246,206 (1,356,630) (4,979,984) Interbank Market 491,596,383 (804,467) (378,608) 523,830,930 (597,497) (943,736) 869,328,317 (1,350,314) (4,597,427) Others (2) 178,892 (23,887) (19,903) - - - 32,917,888 (6,316) (382,557) Futures Contracts 278,348,786 - - 287,984,278 - - 270,258,566 - - Purchased Position 254,505,429 - - 148,237,279 - - 110,275,866 - - Exchange Coupon (DDI) 77,727,137 - - 85,931,389 - - 12,438,695 - - Interest Rates (DI1 and DIA) 148,713,860 - - 28,491,764 - - 97,837,171 - - Foreign Currency 27,444,003 - - 33,797,350 - - - - - Indexes (3) 482,394 - - 16,776 - - - - - Others 138,035 - - - - - - - - Sold Position 23,843,357 - - 139,746,999 - - 159,982,699 - - Exchange Coupon (DDI) 17,259,936 - - 60,606,204 - - 73,114,014 - - Interest Rates (DI1 and DIA) 3,337,596 - - 53,267,620 - - 67,958,767 - - Foreign Currency 1,327,928 - - 25,678,296 - - 18,653,658 - - Indexes (3) 1,787,973 - - 194,879 - - 256,261 - - Treasury Bonds/Notes 129,924 - - - - - - - - Forward Contracts and Others 152,669,932 1,394,796 1,148,525 167,611,313 2,836,843 (1,711,353) 165,663,806 2,693,759 441,028 Purchased Commitment 93,143,116 2,292,188 6,741,298 93,097,212 5,345,415 12,112,679 96,309,648 1,370,654 6,543,254 Currencies 72,849,455 1,938,956 6,426,685 83,752,185 2,738,485 8,501,934 87,254,202 1,370,654 5,026,566 Others 20,293,661 353,232 314,613 9,345,027 2,606,930 3,610,745 9,055,447 - 1,516,688 Sold Commitment 59,526,816 (897,392) (5,592,773) 74,514,101 (2,508,572) (13,824,032) 69,354,158 1,323,105 (6,102,227) Currencies 53,574,925 (847,425) (6,490,282) 71,611,500 (1,141,826) (11,932,009) 64,986,757 1,323,328 (4,846,929) Others 5,951,891 (49,967) 897,509 2,902,602 (1,366,746) (1,892,023) 4,367,401 (223) (1,255,298) (1) Nominal value of updated contracts. (2) Includes index options, primarily options involving US Treasury, stocks and stock indices. (3) Includes Bovespa and S&P indices. a.2) Derivatives Financial Instruments by Counterparty Schedule of Notional 2022 Related Financial Customers Parties Institutions (1) Total Swap 38,910,036 250,925,646 103,516,216 393,351,898 Options 69,919,242 742,316 1,079,879,058 1,150,540,616 Futures Contracts 1,525,199 - 276,823,587 278,348,786 Forward Contracts and Others 61,719,539 72,055,923 18,894,470 152,669,932 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. Notional 2021 2020 Related Financial Customers Parties Institutions (1) Total Total Swap 152,650,125 233,667,783 31,819,540 418,137,448 278,752,387 Options 1,127,446,708 1,641,361 1,084,030 1,130,172,099 2,043,286,085 Futures Contracts 287,984,278 - - 287,984,278 270,258,566 Forward Contracts and Others 70,457,399 96,857,222 296,692 167,611,313 163,040,700 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. a.3) Derivatives Financial Instruments by Maturity Schedule of Derivatives Financial Instruments by Maturity Notional 2022 Up to From 3 to Over 3 Months 12 Months 12 Months Total Swap 45,216,039 55,756,566 292,379,293 393,351,898 Options 632,690,834 392,814,885 125,034,897 1,150,540,616 Futures Contracts 199,359,807 22,626,385 56,362,594 278,348,786 Forward Contracts and Others 76,955,710 44,449,708 31,264,514 152,669,932 Notional 2021 2020 Up to From 3 to Over 3 Months 12 Months 12 Months Total Total Swap 30,501,795 99,817,727 287,817,926 418,137,448 278,752,387 Options 749,406,698 128,500,299 252,265,102 1,130,172,099 2,043,286,084 Futures Contracts 167,320,563 45,239,639 75,424,076 287,984,278 270,258,566 Forward Contracts and Others 72,761,669 67,060,436 27,789,208 167,611,313 163,040,700 a.4) Derivatives by Market Trading Schedule of Derivatives by Market Trading Notional Stock Exchange (1) Over the Counter 2022 Total Swap 45,837,011 347,514,887 393,351,898 Options 1,076,649,948 73,890,668 1,150,540,616 Futures Contracts 278,348,786 - 278,348,786 Forward Contracts and Others 6,790,867 145,879,065 152,669,932 (1) Includes trades with B3 S.A. Notional Stock Exchange (1) Over the Counter 2021 2020 Total Total Swap 111,418,682 306,718,767 418,137,448 278,752,387 Options 1,094,484,434 35,687,665 1,130,172,099 2,043,286,084 Futures Contracts 287,984,278 - 287,984,278 270,258,566 Forward Contracts and Others 7,108,898 160,502,415 167,611,313 163,040,700 (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). Schedule of calculation of Required Stockholders' Equity 2022 2021 2020 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 3,725,358 7,831,108 3,984,392 - 3,483,628 519,670 Total 3,725,358 7,831,108 3,984,392 - 3,483,628 519,670 During the period, there was no occurrence of a credit event related to triggering events provided for in the contracts. Schedule of credit event related to triggering events 2022 2021 2020 Maximum Potential for Future Payments - Gross Over 12 Months Total Over 12 Months Total Over 12 Months Total Per Instrument CDS 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Per Risk Classification Below Investment Grade 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Per Reference Entity Brazilian Government 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 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 an active loan portfolio originated in Dollars at a fixed rate at Santander EFC, whose operations are registered in Euros. As a way of managing this mismatch, the Bank designates Foreign Currency swap Floating Euro versus Fixed Dollar as market risk hedge of the corresponding credits. • 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 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. Schedule of Attributable to the type of risk being hedged 2022 2021 2020 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) - Trade Finance Off (189) - 728 - (5,092) - Total (189) - 3,757,122 - (2,188,933) - Schedule of 12/31/2022 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 437,702 48,140 485,842 461,499 (24,687) 436,812 Credit Operations Hedge 437,702 48,140 485,842 461,499 (24,687) 436,812 Hedge of Securities - - - - - - Future Contracts 75,057,601 3,862,299 78,919,900 75,953,237 1,729,350 77,682,587 Credit Operations Hedge 11,451,502 686,249 12,137,751 10,529,915 3,067,594 13,597,509 Hedge of Securities 3,971,751 - 3,971,751 3,787,939 (609,013) 3,178,926 Funding Hedge 59,634,348 3,176,050 62,810,398 61,635,383 (729,231) 60,906,152 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 (*) The Bank has market risk hedging strategies, the objects of which are assets in its portfolio, which is why we demonstrate the liability position of the respective instruments. For structures whose instruments are futures, we show the calculated daily adjustment balance, recorded in a memorandum 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: • Contracts fixed dollar-indexed asset swaps and liabilities in foreign currency and designates them as a hedging instrument in a Cash Flow Hedge structure, with the object of loan operations in foreign currency negotiated with third parties through offshore agencies and debt securities foreign currency 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 LIBOR + 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. Schedule of Hedge Structure - Cash Flow 2022 2021 2020 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Cash Flow Hedge Eurobonds - - - - 14,666 - Trade Finance Off (72,624) - (236,630) - 58,088 - Government Securities (LFT) (984,396) - (982,648) - 727,437 - CDB (536,935) - 402,779 - - - Total (1,593,955) - (816,500) - 800,190 - Schedule of 12/31/2022 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Future Contracts 42,617,519 403,700 43,021,219 42,568,476 2,611,153 45,179,629 Credit Operations Hedge 14,039,535 54,882 14,094,417 12,251,307 2,647,973 14,899,280 Hedge of Securities 17,126,826 348,474 17,475,300 18,375,905 1,912,343 20,288,248 Funding Hedge 11,451,158 344 11,451,502 11,941,264 (1,949,163) 9,992,101 12/31/2021 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Swap Contracts 110,932,644 (616,062) 110,316,582 128,673,067 (8,912,769) 119,760,298 Credit Operations Hedge 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 Hedge of Securities 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 (*) The Bank has cash flow hedging strategies, the objects of which are assets in its portfolio, which is why we demonstrate the liability position of the respective instruments. For structures whose instruments are futures, we show the notional balance, recorded in a memorandum account. 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. Schedule of Composed of government securities 2022 2021 2020 Financial Treasury Bills - LFT 18,269,122 31,305,549 4,363,666 National Treasury Bills - LTN 3,291,246 3,751,223 6,155,276 National Treasury Notes - NTN 10,904,676 7,725,538 2,814,274 Total 32,465,044 42,782,310 13,333,215 b) Short Positions On December 31, 2022, the balance of short positions totaled R$ 22,047,423 12,780,559 45,807,946" id="sjs-B4">Derivative financial instruments and Short positions The main risk factors of the derivative instruments assumed are related to exchange rates, interest rates and variable income. In managing this and other market risk factors, practices are used that include measuring and monitoring the use of limits previously defined in internal committees, the value at risk of portfolios, sensitivities to fluctuations in interest rates, exposure exchange rates, liquidity gaps, among other practices that allow for the control and monitoring of risks that may affect Banco Santander's positions in the various markets where it operates. Based on this management model, the Bank has managed, with the use of operations involving derivative instruments, to optimize the risk-benefit ratio even in highly volatile situations. The fair value of derivative financial instruments is determined using quoted market prices, when available. The fair value of swaps is determined using discounted cash flow modeling techniques, reflecting appropriate risk factors. The fair value of forward and futures contracts is also determined based on quoted market prices for exchange-traded derivatives or using methodologies similar to those described for swaps. The fair value of options is determined based on mathematical models, such as Black & Scholes, implied volatilities and the fair value of the corresponding asset. Current market prices are used to price volatilities. For derivatives that do not have prices directly disclosed by exchanges, the fair price is obtained through pricing models that use market information, inferred from published prices of more liquid assets. From these prices, yield curves and market volatilities are extracted, which serve as input data for the 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 Summary of Trading Derivative and Used as Hedge 2022 2021 2020 2020 2020 Assets Original Adjustment Rectified Swap Differentials Receivable 13,815,247 7,641,355 14,729,642 - 14,729,642 Option Premiums to Exercise 1,419,279 1,385,889 4,974,618 - 4,974,618 Forward Contracts and Others 6,741,298 12,112,679 9,166,360 (2,623,106) 6,543,254 Total 21,975,824 21,139,923 28,870,620 (2,623,106) 26,247,514 Liabilities Swap Differentials Payable 11,212,030 8,538,705 18,327,611 - 18,327,611 Option Premiums Launched 1,894,522 2,256,244 4,926,994 - 4,926,994 Forward Contracts and Others 5,592,773 13,824,032 8,725,333 (2,623,106) 6,102,227 Total 18,699,325 24,618,981 31,979,938 (2,623,106) 29,356,832 In 2020, due to better liquidity conditions observed in the market for electricity sales operations for certain maturities, management reclassified contracts with maturities of up to 2 years from level 3 to level 2 (note 29) and revisited the accounting treatment in relation to electricity commercialization contracts, which no longer include the "principal" value and, therefore, only adjustments to fair value and interest calculated in these operations are now recorded in balance sheet accounts For the purposes of better comparison, the "principal" amounts of energy trading operations recorded in balance sheet accounts, on December 31, 2020, were reduced from the headings "Derivatives => Forward Contracts and Others" in the amounts of R$ 2,623,106 Summary by Category Summary by Category Trading 2022 2021 2020 Notional Curve Value Fair Value Notional (1) Curve Value Fair Value Notional (1) Curve Value Fair Value Swap 779,023,280 (3,682,261) 2,603,217 837,762,019 (1,804,744) (897,350) 398,925,842 (3,076,947) (3,597,969) Assets 393,351,898 11,857,946 13,815,247 418,137,448 13,162,674 7,641,355 278,752,387 6,249,519 14,729,642 CDI (Interbank Deposit Rates) 85,498,232 3,624,970 5,069,441 66,837,268 318,541 (778,177) 41,316,315 326,586 3,010,880 Fixed Interest Rate - Real 186,961,127 772,985 4,902,157 231,741,021 9,269,271 6,412,471 54,159,848 4,013,563 9,607,342 Indexed to Price and Interest Rates 182,645 22,536 14,225 2,089,110 - (234,488) 5,124,411 - - Foreign Currency 116,577,474 1,292,203 4,764,609 91,837,446 799,550 2,003,728 178,076,136 959,322 1,039,529 Others 4,132,420 145,252 (935,185) 25,632,603 2,775,313 237,822 75,676 950,048 1,071,891 Liabilities 385,671,382 (15,540,207) (11,212,030) 419,624,571 (14,967,418) (8,538,705) 120,173,455 (9,326,465) (18,327,611) CDI (Interbank Deposit Rates) 79,217,799 (4,057,095) (4,363,542) 321,402,883 (4,171,481) (12,327,484) 33,239,801 (6,911,748) (13,693,733) Fixed Interest Rate - Real 210,472,552 (8,512,023) (4,347,433) 48,874,762 (6,760,576) 2,467,425 45,088,689 (2,183,507) (2,772,479) Indexed to Price and Interest Rates 626,129 (166,138) (87,692) 22,827,336 - (728,677) 33,026,692 - (450,958) Foreign Currency 91,303,383 (2,804,302) (3,494,263) 887,129 (28,407) 2,287,852 6,636,885 (25) 153,695 Others 4,051,519 (649) 1,080,900 25,632,461 (4,006,955) (237,822) 2,181,388 (231,186) (1,564,135) Options 1,150,540,616 (877,100) (475,243) 1,130,172,099 (595,345) (870,355) 2,043,286,085 (282,110) 47,624 Purchased Position 600,275,162 2,243,354 1,419,279 564,829,758 1,240,879 1,385,889 1,006,266,897 1,869,806 4,974,618 Call Option - US Dollar 10,629,479 440,097 214,722 9,898,179 271,464 382,237 1,188,387 47,898 39,202 Put Option - US Dollar 4,474,015 122,896 124,163 4,094,316 140,280 187,123 1,948,673 79,019 109,075 Call Option - Other 94,414,288 674,574 577,487 31,248,540 459,995 510,977 134,761,947 558,794 1,093,583 Interbank Market 92,324,275 608,913 555,707 28,499,055 444,446 495,214 101,421,659 557,167 556,039 Others (2) 2,090,013 65,661 21,780 2,749,485 15,549 15,763 33,340,288 1,627 537,544 Put Option - Other 490,757,380 1,005,787 502,907 519,588,723 369,140 305,553 868,367,889 1,184,095 3,732,758 Interbank Market 490,535,950 980,433 480,682 519,588,723 369,140 305,553 864,852,555 1,183,630 3,729,297 Others (2) 221,430 25,354 22,225 - - - 3,515,334 464 3,461 Sold Position 550,265,454 (3,120,454) (1,894,522) 565,342,341 (1,836,224) (2,256,244) 1,037,019,188 (2,151,915) (4,926,994) Call Option - US Dollar 6,763,742 (292,212) (165,919) 4,111,016 (170,553) (152,348) 1,537,670 (70,201) 699,243 Put Option - US Dollar 8,885,700 (409,758) (508,584) 4,017,161 (348,715) (287,825) 2,315,919 (137,061) (192,335) Call Option - Other 42,840,737 (1,590,130) (821,508) 33,383,234 (719,460) (872,335) 130,919,394 (588,023) (453,919) Interbank Market 33,377,728 (575,451) (349,710) 31,730,928 (713,773) (858,586) 120,156,285 (566,813) (464,405) Others (2) 9,463,009 (1,014,679) (471,798) 1,652,305 (5,687) (13,749) 10,763,109 (21,210) 10,486 Put Option - Other 491,775,275 (828,354) (398,511) 523,830,930 (597,497) (943,736) 902,246,206 (1,356,630) (4,979,984) Interbank Market 491,596,383 (804,467) (378,608) 523,830,930 (597,497) (943,736) 869,328,317 (1,350,314) (4,597,427) Others (2) 178,892 (23,887) (19,903) - - - 32,917,888 (6,316) (382,557) Futures Contracts 278,348,786 - - 287,984,278 - - 270,258,566 - - Purchased Position 254,505,429 - - 148,237,279 - - 110,275,866 - - Exchange Coupon (DDI) 77,727,137 - - 85,931,389 - - 12,438,695 - - Interest Rates (DI1 and DIA) 148,713,860 - - 28,491,764 - - 97,837,171 - - Foreign Currency 27,444,003 - - 33,797,350 - - - - - Indexes (3) 482,394 - - 16,776 - - - - - Others 138,035 - - - - - - - - Sold Position 23,843,357 - - 139,746,999 - - 159,982,699 - - Exchange Coupon (DDI) 17,259,936 - - 60,606,204 - - 73,114,014 - - Interest Rates (DI1 and DIA) 3,337,596 - - 53,267,620 - - 67,958,767 - - Foreign Currency 1,327,928 - - 25,678,296 - - 18,653,658 - - Indexes (3) 1,787,973 - - 194,879 - - 256,261 - - Treasury Bonds/Notes 129,924 - - - - - - - - Forward Contracts and Others 152,669,932 1,394,796 1,148,525 167,611,313 2,836,843 (1,711,353) 165,663,806 2,693,759 441,028 Purchased Commitment 93,143,116 2,292,188 6,741,298 93,097,212 5,345,415 12,112,679 96,309,648 1,370,654 6,543,254 Currencies 72,849,455 1,938,956 6,426,685 83,752,185 2,738,485 8,501,934 87,254,202 1,370,654 5,026,566 Others 20,293,661 353,232 314,613 9,345,027 2,606,930 3,610,745 9,055,447 - 1,516,688 Sold Commitment 59,526,816 (897,392) (5,592,773) 74,514,101 (2,508,572) (13,824,032) 69,354,158 1,323,105 (6,102,227) Currencies 53,574,925 (847,425) (6,490,282) 71,611,500 (1,141,826) (11,932,009) 64,986,757 1,323,328 (4,846,929) Others 5,951,891 (49,967) 897,509 2,902,602 (1,366,746) (1,892,023) 4,367,401 (223) (1,255,298) (1) Nominal value of updated contracts. (2) Includes index options, primarily options involving US Treasury, stocks and stock indices. (3) Includes Bovespa and S&P indices. a.2) Derivatives Financial Instruments by Counterparty Schedule of Notional 2022 Related Financial Customers Parties Institutions (1) Total Swap 38,910,036 250,925,646 103,516,216 393,351,898 Options 69,919,242 742,316 1,079,879,058 1,150,540,616 Futures Contracts 1,525,199 - 276,823,587 278,348,786 Forward Contracts and Others 61,719,539 72,055,923 18,894,470 152,669,932 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. Notional 2021 2020 Related Financial Customers Parties Institutions (1) Total Total Swap 152,650,125 233,667,783 31,819,540 418,137,448 278,752,387 Options 1,127,446,708 1,641,361 1,084,030 1,130,172,099 2,043,286,085 Futures Contracts 287,984,278 - - 287,984,278 270,258,566 Forward Contracts and Others 70,457,399 96,857,222 296,692 167,611,313 163,040,700 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. a.3) Derivatives Financial Instruments by Maturity Schedule of Derivatives Financial Instruments by Maturity Notional 2022 Up to From 3 to Over 3 Months 12 Months 12 Months Total Swap 45,216,039 55,756,566 292,379,293 393,351,898 Options 632,690,834 392,814,885 125,034,897 1,150,540,616 Futures Contracts 199,359,807 22,626,385 56,362,594 278,348,786 Forward Contracts and Others 76,955,710 44,449,708 31,264,514 152,669,932 Notional 2021 2020 Up to From 3 to Over 3 Months 12 Months 12 Months Total Total Swap 30,501,795 99,817,727 287,817,926 418,137,448 278,752,387 Options 749,406,698 128,500,299 252,265,102 1,130,172,099 2,043,286,084 Futures Contracts 167,320,563 45,239,639 75,424,076 287,984,278 270,258,566 Forward Contracts and Others 72,761,669 67,060,436 27,789,208 167,611,313 163,040,700 a.4) Derivatives by Market Trading Schedule of Derivatives by Market Trading Notional Stock Exchange (1) Over the Counter 2022 Total Swap 45,837,011 347,514,887 393,351,898 Options 1,076,649,948 73,890,668 1,150,540,616 Futures Contracts 278,348,786 - 278,348,786 Forward Contracts and Others 6,790,867 145,879,065 152,669,932 (1) Includes trades with B3 S.A. Notional Stock Exchange (1) Over the Counter 2021 2020 Total Total Swap 111,418,682 306,718,767 418,137,448 278,752,387 Options 1,094,484,434 35,687,665 1,130,172,099 2,043,286,084 Futures Contracts 287,984,278 - 287,984,278 270,258,566 Forward Contracts and Others 7,108,898 160,502,415 167,611,313 163,040,700 (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). Schedule of calculation of Required Stockholders' Equity 2022 2021 2020 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 3,725,358 7,831,108 3,984,392 - 3,483,628 519,670 Total 3,725,358 7,831,108 3,984,392 - 3,483,628 519,670 During the period, there was no occurrence of a credit event related to triggering events provided for in the contracts. Schedule of credit event related to triggering events 2022 2021 2020 Maximum Potential for Future Payments - Gross Over 12 Months Total Over 12 Months Total Over 12 Months Total Per Instrument CDS 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Per Risk Classification Below Investment Grade 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Per Reference Entity Brazilian Government 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 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 an active loan portfolio originated in Dollars at a fixed rate at Santander EFC, whose operations are registered in Euros. As a way of managing this mismatch, the Bank designates Foreign Currency swap Floating Euro versus Fixed Dollar as market risk hedge of the corresponding credits. • 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 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. Schedule of Attributable to the type of risk being hedged 2022 2021 2020 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) - Trade Finance Off (189) - 728 - (5,092) - Total (189) - 3,757,122 - (2,188,933) - Schedule of 12/31/2022 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 437,702 48,140 485,842 461,499 (24,687) 436,812 Credit Operations Hedge 437,702 48,140 485,842 461,499 (24,687) 436,812 Hedge of Securities - - - - - - Future Contracts 75,057,601 3,862,299 78,919,900 75,953,237 1,729,350 77,682,587 Credit Operations Hedge 11,451,502 686,249 12,137,751 10,529,915 3,067,594 13,597,509 Hedge of Securities 3,971,751 - 3,971,751 3,787,939 (609,013) 3,178,926 Funding Hedge 59,634,348 3,176,050 62,810,398 61,635,383 (729,231) 60,906,152 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 (*) The Bank has market risk hedging strategies, the objects of which are assets in its portfolio, which is why we demonstrate the liability position of the respective instruments. For structures whose instruments are futures, we show the calculated daily adjustment balance, recorded in a memorandum 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: • Contracts fixed dollar-indexed asset swaps and liabilities in foreign currency and designates them as a hedging instrument in a Cash Flow Hedge structure, with the object of loan operations in foreign currency negotiated with third parties through offshore agencies and debt securities foreign currency 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 LIBOR + 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. Schedule of Hedge Structure - Cash Flow 2022 2021 2020 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Cash Flow Hedge Eurobonds - - - - 14,666 - Trade Finance Off (72,624) - (236,630) - 58,088 - Government Securities (LFT) (984,396) - (982,648) - 727,437 - CDB (536,935) - 402,779 - - - Total (1,593,955) - (816,500) - 800,190 - Schedule of 12/31/2022 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Future Contracts 42,617,519 403,700 43,021,219 42,568,476 2,611,153 45,179,629 Credit Operations Hedge 14,039,535 54,882 14,094,417 12,251,307 2,647,973 14,899,280 Hedge of Securities 17,126,826 348,474 17,475,300 18,375,905 1,912,343 20,288,248 Funding Hedge 11,451,158 344 11,451,502 11,941,264 (1,949,163) 9,992,101 12/31/2021 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Swap Contracts 110,932,644 (616,062) 110,316,582 128,673,067 (8,912,769) 119,760,298 Credit Operations Hedge 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 Hedge of Securities 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 (*) The Bank has cash flow hedging strategies, the objects of which are assets in its portfolio, which is why we demonstrate the liability position of the respective instruments. For structures whose instruments are futures, we show the notional balance, recorded in a memorandum account. 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. Schedule of Composed of government securities 2022 2021 2020 Financial Treasury Bills - LFT 18,269,122 31,305,549 4,363,666 National Treasury Bills - LTN 3,291,246 3,751,223 6,155,276 National Treasury Notes - NTN 10,904,676 7,725,538 2,814,274 Total 32,465,044 42,782,310 13,333,215 b) Short Positions On December 31, 2022, the balance of short positions totaled R$ 22,047,423 12,780,559 45,807,946

Loans and advances to clients

Loans and advances to clients	12 Months Ended
	Dec. 31, 2022
Loans And Advances To Clients
Loans and advances to clients	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: Schedule of classification, of the balances of “Loans and advances to clients Thousand of reais 2022 2021 2020 Classification: Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 1,894,282 392,455 60,808 Financial Assets Measured At Amortized Cost 488,735,746 464,451,587 393,707,229 Of which: Loans and receivables at amortized cost 522,761,008 492,962,247 417,761,218 Impairment losses (34,025,262) (28,510,660) (24,053,989) Loans and advances to customers, net 490,630,028 464,844,042 393,768,037 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 Thousand of reais 2022 2021 2020 Type: Loans operations (1) 492,232,308 457,384,432 390,941,415 Lease Portfolio 2,862,185 2,532,048 2,096,240 Repurchase agreements - 6,044,808 4,530,041 Other receivables (2) 29,560,797 27,393,414 20,254,330 Total 524,655,290 493,354,702 417,822,026 (1) Includes loans, financing and other receivables with credit characteristics. (2) Refers substantially to Foreign Exchange Transactions and Other Receivables with the characteristic of granting credit. 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: Schedule of gross of reduction losses to recoverable value Thousand of reais 2022 2021 2020 Loan borrower sector: Commercial, and industrial 223,321,961 215,967,128 191,281,653 Real estate-construction 58,242,768 54,738,607 45,791,869 Installment loans to individuals 240,227,475 220,115,963 178,652,145 Lease financing 2,863,086 2,533,004 2,096,359 Total 524,655,290 493,354,702 417,822,026 Schedule of i nterest rate formula Thousand of reais 2022 2021 2020 Interest rate formula: Fixed interest rate 353,381,012 337,583,246 292,884,352 Floating rate 171,274,278 155,771,456 124,937,674 Total 524,655,290 493,354,702 417,822,026 Schedule of 2022 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 126,507,628 46.89% 83,448,296 47.02% 13,366,037 17.27% 223,321,961 42.57% Real estate 4,297,742 1.59% 10,905,342 6.14% 43,039,684 55.63% 58,242,768 11.09% Installment loans to individuals 137,581,042 51.00% 81,679,970 46.02% 20,966,463 27.09% 240,227,475 45.79% Lease financing 1,397,799 0.52% 1,454,533 0.82% 10,754 0.01% 2,863,086 0.55% Loans and advances to customers, gross 269,784,211 100.00% 177,488,141 100.00% 77,382,938 100.00% 524,655,290 100.00% 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 52.15% 14,810,364 28.62% 178,652,145 42.76% 87,174,594 39.79% 76,667,187 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% Schedule of 2022 2021 2020 Maturity Less than 1 year 269,784,211 270,050,934 219,062,744 Between 1 and 5 years 177,488,141 160,932,317 147,013,817 More than 5 years 77,382,938 62,371,451 51,745,465 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 Internal risk classification Low 392,397,296 374,505,212 347,315,357 Medium-low 77,992,749 79,216,725 24,277,404 Medium 18,647,136 14,589,977 26,231,871 Medium - high 13,573,901 9,413,110 3,896,457 High 22,044,208 15,629,678 16,100,937 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 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: Schedule of impairment losses on the balances of Loans and receivables Thousand of reais 2022 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 6,977,664 5,753,855 16,991,855 29,723,374 Impairment losses charged to income for the year 2,418,459 7,757,352 13,624,909 23,800,720 Transfers between stages (387,312) (124,415) 7,860,172 7,348,445 Movement of the period 2,805,771 7,881,767 5,764,737 16,452,275 Of which: Commercial and industrial 262,834 696,692 7,894,856 8,854,382 Real estate-construction (6,839) (20,320) 271,494 244,335 Installment loans to individuals 2,163,216 7,084,057 5,438,540 14,685,813 Lease financing (752) (3,077) 20,019 16,190 Variation by Stage (6,516,310) (6,652,359) 13,168,669 - Write-off of impaired balances against recorded impairment allowance - - (18,340,010) (18,340,010) Of which: Commercial and industrial - - (4,919,792) (4,919,792) Real estate-construction - - (114,637) (114,637) Installment loans to individuals - - (13,294,696) (13,294,696) Lease financing - - (10,885) (10,885) Exchange Variation 6,104 2,610 18,825 27,539 Balance at end of year 2,885,917 6,861,458 25,464,248 35,211,623 Of which: Loans and advances to customers 2,807,780 6,852,845 24,364,637 34,025,262 Loans and amounts due from credit institutions (Note 5) 12,599 - - 12,599 Provision for Debt Instruments (Note 6) 65,537 8,613 1,099,612 1,173,762 Recoveries of loans previously charged off - - 983,030 983,030 Of which: Commercial and industrial - - 597,436 597,436 Real estate-construction - - 35,671 35,671 Installment loans to individuals - - 346,097 346,097 Lease financing - - 3,826 3,826 Discount Granted - - (2,011,059) (2,011,059) Thousand of reais 2022 2021 2020 Balance at beginning of year 29,723,374 25,640,489 22,625,750 Impairment losses charged to income for the year 23,800,720 16,986,695 18,311,441 Of which: Commercial and industrial 8,854,382 3,340,309 6,918,671 Real estate-construction 244,335 116,031 81,415 Installment loans to individuals 14,685,813 13,531,815 11,308,689 Lease financing 16,190 (1,460) 2,666 Write-off of impaired balances against recorded impairment allowance (18,340,010) (12,934,687) (15,297,428) Of which: Commercial and industrial (4,919,792) (5,184,225) (4,744,944) Real estate-construction (114,637) (166,579) (232,262) Installment loans to individuals (13,294,696) (7,575,967) (10,433,131) Lease financing (10,885) (7,916) (14,588) Exchange Variation 27,539 30,878 127,499 Balance at end of year 35,211,623 29,723,376 25,640,488 Of which: Loans and advances to customers 34,025,262 28,510,659 24,053,989 Loans and amounts due from credit institutions (Note 5) 12,599 21,825 9,065 Provision for Debt Instruments (Note 6) 1,173,762 1,190,892 1,577,435 Recoveries of loans previously charged off 983,030 1,536,336 861,253 Of which: Commercial and industrial 597,436 462,523 422,023 Real estate-construction 35,671 64,257 55,631 Installment loans to individuals 346,097 1,002,257 370,491 Lease financing 3,826 7,299 13,107 Considering the amounts recognized in "Losses due to non-recovery against income", "Recoveries of loans written off as a loss" and "Discount Granted", "Losses on financial assets - Financial assets measured at amortized cost" totaled on December 31, 2022, R$ 24,828,749 17,112,734 17,450,188 The balances of the provision for losses due to non-recovery by debtor sector are as follows: Schedule of balances of the provision for losses due to non-recovery by debtor sector Thousand of reais 2022 2021 2020 Commercial and industrial 12,259,205 8,324,614 9,757,193 Real estate - Construction 283,946 154,248 193,935 Installment loans to individuals 22,658,949 21,240,296 15,675,765 Lease financing 9,523 4,218 13,594 Total 35,211,623 29,723,376 25,640,488 d) Impaired assets Details of changes in the balance of financial assets recorded as “Financial assets measured at amortized cost - Loans and advances to customers”, “Debt Instrument” which are classified as amortized cost and classified as non-recoverable (as per the definition described in note 1. i) due to credit risk are as follows: Schedule of Loans and receivables - loans and advances to customers Thousand of reais 2022 2021 2020 Balance at the beginning of the period 26,923,312 23,176,039 23,426,076 Net additions 31,920,565 18,428,727 14,757,908 Written-off assets (19,620,042) (14,681,454) (15,007,946) Balance at end of year 39,223,835 26,923,312 23,176,039 Below, the details of non-recoverable financial assets, classified by maturity: Schedule of detail of the financial assets considered to be impaired classified by age of the oldest past- due amount Thousand of reais 2022 2021 2020 With no Past- Due Balances or Less than 3 Months Past Due 23,036,735 12,885,506 12,966,813 With Balances Past Due by 3 to 6 Months 4,349,146 4,717,302 3,049,974 6 to 12 Months 9,536,043 6,866,628 4,798,859 12 to 18 Months 1,481,516 1,253,046 1,243,809 18 to 24 Months 315,987 659,702 607,527 More than 24 Months 504,408 541,129 509,056 Total 39,223,835 26,923,312 23,176,039 Thousand of reais 2022 2021 2020 Debt Sector Commercial and industrial 14,156,235 11,439,692 10,558,213 Real estate - Construction 1,057,989 470,115 456,130 Installment loans to individuals 23,999,266 14,996,152 12,144,238 Lease financing 10,345 17,353 17,458 Total 39,223,835 26,923,312 23,176,039 e) Loan past due for less than 90 days but not classified as impaired Schedule of Loan past due for less than 90 days but not classified as impaired Thousand of reais 2022 % of total loans past due for less than 90 days 2021 % of total loans past due for less than 90 days 2020 % of total loans past due for less than 90 days Commercial and industrial 4,940,611 21.43% 4,892,277 20.68% 5,131,885 25.80% Real estate - Construction 4,063,490 17.63% 3,605,641 15.24% 3,085,498 15.51% Installment loans to individuals 14,035,606 60.89% 15,150,254 64.04% 11,660,666 58.62% Financial Leasing 11,806 0.05% 10,961 0.05% 13,292 0.07% Total (1) 23,051,513 100.00% 23,659,133 100.00% 19,891,340 100.00% (1) Refers exclusively to loans between 1 and 90 days. f) Lease at present value As at Breakdown by maturity Gross investment in lease transactions Schedule of Gross investment in lease transactions Thousand of reais 2022 2021 2020 Overdue 2,066 3,531 2,740 Due to: Up to 1 year 1,197,133 1,067,567 952,172 From 1 to 5 years 1,888,521 1,642,506 1,394,525 Over 5 years 123,496 132,459 20,128 Total 3,211,216 2,846,063 2,369,565 g) Transfer of financial assets with retention of risks and benefits As of December 31, 2022, the balance recorded under “Loans and advances to customers” referring to operations assigned is R$ 32,647 40,790 55,284 32,138 40,511 55,105 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, 2022
Non-current Assets Held For Sale
Non-current assets held for sale	Non-current assets held for sale As of December 31, 2022, 2021 and 2020, the total amount of non-current assets held for sale includes assets not in use and other tangible assets. The variation of the caption "Non-current assets held for sale" is as follows: Schedule of variation of the caption "Non-current assets held for sale Thousand of reais 2022 2021 2020 Balance at beginning of year 1,065,420 1,362,602 1,580,496 Loan repayments - repossession of assets 201,391 235,904 445,173 Capital Increase in Companies held for sale 56,512 66,197 - Sales (413,777) (599,283) (663,067) Final balance, gross 909,546 1,065,420 1,362,602 Impairment losses (1) (210,410) (249,075) (269,693) Impairment as a percentage of foreclosed assets 23.13% 23.38% 19.79% Balance at end of year 699,136 816,345 1,092,909 (1) In 2022, includes the amount of R$196,649 (2021 – R$182,448 and 2020 – R$24,751) of reversal of provisions for depreciation on real estate and R$2,053 (2021 – R$2,194) of provisions for depreciation on vehicles, constituted based on appraisal reports prepared by a specialized external consultancy, accounted for as a provision for non-recovery losses (“impairment”).

Investments in associates and j

Investments in associates and joint ventures	12 Months Ended
	Dec. 31, 2022
Investments In Associates And Joint Ventures
Investments in associates and joint ventures	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 Schedule of Jointly controlled and Significant Influence - Participation Participation % Jointly Controlled by Banco Santander Activity Country 2022 2021 2020 Banco RCI Brasil S.A. Bank Brazil 39.89 39.89 39.89 Estruturadora Brasileira de Projetos S.A. - EBP Other Activities Brazil 11.11 11.11 11.11 Gestora de Inteligência de Crédito Credit Bureau Brazil 15.56 19.45 20.00 Campo Grande Empreendimentos Other Activities Brazil 0.00 25.32 25.32 Santander Auto S.A. Other Activities Brazil 50.00 50.00 50.00 CIP S.A Other Activities Brazil 17.87 0.00 0.00 Jointly Controlled by Santander Corretora de Seguros 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 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A Insurance Broker Brazil 20.00 0.00 0.00 Jointly Controlled by Aymoré CFI Solution 4 Fleet Other Activities Brazil 80.00 80.00 0.00 (1) Companies with a one-month lag for the calculation of equity equivalence. For the accounting of equity income, the position of 11/30/2022 was used on 12/31/2022. (2) Although the stake is less than 20%, the Bank exercises joint control over the entity with the other majority shareholders, through a shareholders' agreement where no business decision can be taken by a single shareholder. (3) Although the stake exceeds 50%, in accordance with the shareholders' agreement, control is shared by Santander Corretora de Seguros and Carsales.com Investments PTY LTD. (Carsales). (4) Pursuant to the shareholders' agreement, control is shared by Santander Corretora de Seguros and PSA Services LTD. (5) Participation arising from the credit recovery of Banco Comercial e de Investimentos Sudameris S.A., incorporated in 2009 by Banco ABN AMRO Real S.A., which in the same year was incorporated by 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. (6) In March 2022, the Interbank Payments Chamber – CIP was demutualized. The non-profit association underwent a spin-off in which part of the equity was incorporated into a new for-profit company CIP S.A. Schedule of Investments 2022 2021 2020 Jointly Controlled by Banco Santander 1,053,127 628,040 590,219 Banco RCI Brasil S.A. 552,572 591,745 544,236 Estruturadora Brasileira de Projetos S.A. - EBP 746 1,257 1,273 Gestora de Inteligência de Crédito 61,590 13,522 28,680 Campo Grande Empreendimentos - 255 255 Santander Auto S.A. 30,778 21,261 15,775 CIP S.A 407,441 - - Jointly Controlled by Santander Corretora de Seguros 674,443 593,002 504,766 Webmotors S.A. 386,437 359,092 316,597 Tecnologia Bancária S.A. - TECBAN 243,649 232,109 186,357 Hyundai Corretora de Seguros 1,254 1,260 1,044 PSA Corretora de Seguros e Serviços Ltda. 540 541 768 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A 42,563 - - Jointly Controlled by Aymoré CFI - 11,604 - Solution 4 Fleet. - 11,604 - Total 1,727,570 1,232,646 1,094,985 Schedule of Jointly controlled and Significant Influence - Results of Investments Results of Investments 2022 2021 2020 Jointly Controlled by Banco Santander 134,043 54,493 50,914 Banco RCI Brasil S.A. 84,214 62,813 72,057 Norchem Participações e Consultoria S.A. - - 333 CIP S.A. 50,607 - - Estruturadora Brasileira de Projetos S.A. - EBP 43 (16) 9 Gestora de Inteligência de Crédito (13,365) (14,419) (19,064) Santander Auto S.A. 12,544 6,115 (2,421) Equity in earnings 2022 2021 2020 Jointly Controlled by Santander Corretora de Seguros 65,136 91,833 61,380 Webmotors S.A. 52,085 45,817 38,823 Tecnologia Bancária S.A. - TECBAN 11,540 45,752 22,219 Hyundai Corretora de Seguros (6) 216 110 PSA Corretora de Seguros e Serviços Ltda. 1,021 48 226 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A 496 - - Jointly Controlled by Aymoré CFI - (2,142) - Solution 4 Fleet. - (2,142) - Significant Influence of Banco Santander - - (33) Norchem Holding e Negócios S.A. - - (33) Total 199,179 144,184 112,261 Schedule of Jointly controlled and Significant Influence - Total 2022 Total assets Total liabilities Total Income Jointly Controlled by Banco Santander 15,665,896 15,289,473 446,732 Banco RCI Brasil S.A. 11,232,921 11,078,109 211,111 Estruturadora Brasileira de Projetos S.A. - EBP 6,831 11,427 390 Gestora de Inteligência de Crédito 1,565,100 1,642,454 (68,330) Santander Auto S.A. 208,976 182,551 26,425 CIP S.A 2,652,068 2,374,932 277,136 Jointly Controlled by Santander Corretora de Seguros 3,593,408 3,459,786 133,621 Webmotors S.A. 393,592 316,559 77,033 Tecnologia Bancária S.A. - TECBAN 2,973,912 2,921,075 52,837 Hyundai Corretora de Seguros Ltda. 4,025 4,037 (12) PSA Corretora de Seguros e Serviços Ltda. 5,400 3,358 2,041 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A 216,479 214,757 1,722 Total 19,259,304 18,749,259 580,353 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 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 Significant Influence of Banco Santander 14,871 17,548 (2,677) Norchem Holding e Negócios S.A. 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 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 b) Changes The changes in the balance of this item in the years ended December 31, 2022, 2021 and 2020 were: Schedule of Jointly controlled and Significant Influence - Changes in the balance 2022 2021 2020 Jointly Controlled by Banco Santander Balance at beginning of year 1,232,646 1,094,985 1,049,510 Additions / disposals (net) due to change in the scope of consolidation (11,604) (739) (41,851) Additions /disposals 103,500 13,746 13,571 Add / Lower (809) - - Share of results of entities accounted for using the equity method 199,179 144,184 112,293 Dividends proposed/received (125,732) (66,878) (59,784) Adjustment to market value (26,355) - - Others - 47,348 21,246 Balance at end of year 1,370,825 1,232,646 1,094,985 Significant Influence of Banco Santander Balance at beginning of year - - 21,252 Share of results of entities accounted for using the equity method - - (33) Dividends proposed/received - - (239) Alienation 356,745 - (20,980) Balance at end of year 356,745 - - c) Impairment losses No impairment losses were recognized on investments in associates and joint ventures in 2022, 2021 and 2020. d) Other information Details of the principal jointly controlled entities: Banco RCI Brasil S.A.: Webmotors S.A.: Schedule of Principal jointly controlled entities 2022 2021 2020 Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Current assets 10,608,167 404,644 10,187,883 342,195 11,270,565 276,170 Current liabilities 9,284,716 86,928 8,754,744 71,742 9,825,654 220,707 Cash and cash equivalents 306,035 2,161 341,015 2,746 201,142 1,411 Depreciation and amortization (1,592) (818) (1,628) (19,152) (1,577) (14,949) Revenue 885,062 84,742 637,856 331,586 732,253 277,270 Interest income 1,875,538 12,887 1,308,649 3,938 1,354,283 2,283 Interest expense (1,057,093) - (592,776) - (483,506) - Tax Income / (expense) (103,934) (43,634) (105,266) (32,819) (169,957) (26,314) Current financial liabilities (excluding trade and other payables and provisions) 3,814,862 - 3,293,251 58,910 3,279,806 58,910 Non-current financial liabilities (excluding trade and other payables and provisions) 5,747,252 - 5,218,945 796 5,947,683 796

Tangible assets

Tangible assets	12 Months Ended
	Dec. 31, 2022
Tangible Assets
Tangible assets	Tangible assets The Bank's tangible assets refer to property, plant and equipment for own use. The Bank does not have tangible assets held as investment property or leased under operating leases. a) Breakdown The detail, by class of asset, of the tangible assets in the consolidated balance sheets is as follows: Schedule of 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, 2019 2,840,170 5,345,320 10,172,692 3,082,781 2,053 21,443,016 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 Additions 32,959 435,858 693,957 - - 1,162,774 Additions resulting mergers - - - 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 Additions 44,475 185,248 896,388 - - 1,126,111 Additions by Company Acquisition - - - 333,742 - 333,742 Cancellation of lease agreements - - - (115,842) - (115,842) Write-off (49,212) (215,731) (531,621) - - (796,564) Transfers - 54,958 26,128 - - 81,086 Balance on December 31, 2022 2,794,786 3,310,630 10,677,131 3,642,324 1,247 20,426,118 Accumulated depreciation Land and buildings IT equipment and fixtures Furniture and vehicles Leased Fixed Assets Others Total 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) Balance on December 31, 2021 (973,469) (1,595,971) (7,312,714) (1,105,000) - (10,987,154) Additions (101,576) (332,594) (865,145) (560,728) - (1,860,043) Write-off 28,904 214,948 404,157 - - 648,009 Transfers - (117) (3,673) - - (3,790) Balance on December 31, 2022 (1,046,141) (1,713,734) (7,777,375) (1,665,728) - (12,202,978) Losses from non-recovery (impairment) 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) Impacts on results (5,644) - (87) - - (5,731) Balance on December 31, 2022 (27,942) - 8,952 - (13,387) (32,377) Carrying amount 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 Balance on December 31, 2022 1,720,703 1,596,896 2,908,708 1,976,596 (12,140) 8,190,763 The depreciation expenses has been included in the heading “Depreciation and amortization” in the income statement. b) Tangible asset purchase commitments As of December 31, 2022, the Bank has R$ 50,807 in contractual commitments for the acquisition of tangible assets. (2021 - R$ 58,413 0).

Intangible assets - Goodwill

Intangible assets - Goodwill	12 Months Ended
	Dec. 31, 2022
Tangible Assets
Intangible assets - Goodwill	Intangible assets - Goodwill The goodwill constitutes the surplus between the acquisition cost and the Bank's participation in the net fair value of the acquiree's assets, liabilities and contingent liabilities. When the excess is negative (discount), it is recognized immediately in income. In accordance with IAS 36, goodwill is tested annually for impairment purposes or whenever there are indications of impairment of the cash-generating unit to which it was allocated. Goodwill is accounted for at cost less accumulated impairment losses. Impairment losses recognized on goodwill are not reversed. Gains and losses on disposal of an entity include the carrying amount of goodwill relating to the entity sold. The goodwill recorded is subject to the impairment test (note 2.n.i) and was allocated according to the operating segment (note 44). Based on the assumptions described above, no impairment of goodwill was identified on December 31, 2022, 2021 and 2020. Schedule of breakdown Thousand of reais 2022 2021 2020 Breakdown Banco ABN Amro Real S.A. (Banco Real) 27,217,565 27,217,565 27,215,749 Toro Corretora de Títulos e Valores Mobiliários S.A. 160,771 305,937 - Liderança Serviços Especializados em Cobranças Ltda. 236,626 237,663 - Olé Consignado (Atual Denominação Social do Banco Bonsucesso Consignado) 62,800 62,800 62,800 Solution 4Fleet Consultoria Empresarial S.A. 32,590 32,613 - Return Capital Serviços de Recuperação de Créditos S.A. (atual denominação social da Ipanema Empreendimentos e Participações S.A.) 24,346 24,346 24,346 Santander Brasil Tecnologia S.A. 16,381 16,381 16,381 Paytec Tecnologia em Pagamentos Ltda. - 11,336 - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 5,271 5,271 - Banco PSA Finance Brasil S.A. 1,557 1,557 1,557 Apê11 Tecnologia e Negocios Imobiliarios S.A. 9,777 - - Monetus Investimentos S.A. 39,919 - - Mobills Labs Soluções em Tecnologia LTDA 39,589 - - CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A. 42,135 - - Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) - - 1,039,304 Total 27,889,327 27,915,469 28,360,137 Schedule of Commercial Banking 2022 2021 2020 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) 5.1% 4.8% 4.3% Discount rate (2) 12.9% 12.3% 12.4% (1) Cash flow projections are based on the Management's internal budget and growth plans, considering historical data, expectations and market conditions such as industry growth, interest rates and inflation indices. (2) The discount rate is calculated based on the capital asset pricing model (CAPM). The pre-tax discount rate is 19.09% (2021 – 18.77% and 2020 – 19.56%). Schedule of Changes of goodwill Thousand of reais 2022 2021 2020 Balance at beginning of the year 27,915,469 28,360,137 28,375,004 Additions (loss): Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) - (1,039,304) - Toro Corretora de Títulos e Valores Mobiliários S.A. (145,167) 305,937 - Liderança Serviços Especializados em Cobranças Ltda. (1,036) 237,663 - Solution 4Fleet Consultoria Empresarial S.A. (23) 32,613 - Paytec Tecnologia em Pagamentos Ltda. (11,336) 11,336 - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. - 5,271 - Apê11 Tecnologia e Negócios Imobiliários S.A. 9,777 - Monetus Investimentos S.A. 39,919 - Mobills Labs Soluções em Tecnologia Ltda. 39,589 - CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A. 42,135 - Others - 1,816 (14,867) Balance at end of the year 27,889,327 27,915,469 28,360,137 A quantitative goodwill impairment test is performed annually. At the end of each exercise, an analysis is carried out on the existence of appearances of disability. For the years 2022, 2021 and 2020 there was no evidence of impairment. In the goodwill impairment test, carried out considering the December 2022 scenario, and whose discount rates and perpetuity growth are the most sensitive assumptions for calculating the present value (value in use) of discounted future cash flows, it was found that these continue to indicate the absence of impairment.

Intangible assets - Other intan

Intangible assets - Other intangible assets	12 Months Ended
	Dec. 31, 2022
Tangible Assets
Intangible assets - Other intangible assets	Intangible assets - Other intangible assets The details, by asset category, of the other intangible assets in the consolidated balance sheets are as follows: Schedule of details, by asset category, of the other intangible assets Cost IT developments Other assets Total 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 Additions 1,536,146 201,402 1,737,548 Write-off (186,429) (1,345) (187,774) Transfers 5,986 (38) 5,948 Balance on December 31, 2022 8,381,312 630,048 9,011,360 Accumulated amortization 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) Additions (651,724) (73,735) (725,459) Write-off 40,085 2,991 43,076 Balance on December 31, 2022 (4,820,581) (346,027) (5,166,608) Losses from non-recovery (Impairment) - IT IT developments Other assets Total Balance on December 31, 2019 (2,319) - (2,319) Impact on net profit (1) (66,269) - (66,269) Write-off (1,346) - (1,346) Balance on December 31, 2020 (69,934) - (69,934) Impact on net profit (1) (23,066)     (7,094) (30,160) Balance on December 31, 2021 (93,000) (7,094) (100,094) Impact on net profit (1) (10,091) (21,160) (31,251) Balance on December 31, 2022 (103,091) (28,254) (131,345) Carrying amount 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 Balance on December 31, 2022 3,457,640 255,767 3,713,407 (1) Refers to the impairment loss of assets in the acquisition and development of logic. The loss in the acquisition and development of logiciais was recorded due to the obsolescence and discontinuity of said systems. Amortization expenses were included under "Depreciation and amortization" in the income statement.

Other assets

Other assets	12 Months Ended
	Dec. 31, 2022
Other Assets Abstract
Other assets	Other assets The breakdown of the balance of “Other assets” is as follows: Schedule of breakdown of the balance of other asset Thousand of reais 2022 2021 2020 Customer relationships 1,645,963 922,860 1,873,048 Prepayments and accrued income 1,031,104 797,365 1,007,792 Contractual guarantees of former controlling stockholders (Note 22.c.5) 496 496 496 Actuarial asset (Note 21) 292,770 287,808 361,149 Other receivables (1) 5,304,196 4,040,499 3,979,926 Total 8,274,529 6,049,028 7,222,411 (1) Corresponds mainly to the payment of payroll portfolio premiums.

Deposits from the Brazilian Cen

Deposits from the Brazilian Central Bank and Deposits from credit institutions	12 Months Ended
	Dec. 31, 2022
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Deposits from the Brazilian Central Bank and Deposits from credit institutions	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: Schedule of classification, type and currency, of the balances Thousand of reais 2022 2021 2020 Classification: Financial liabilities at amortized cost 116,079,014 121,005,909 131,656,962 Total 116,079,014 121,005,909 131,656,962 Type: Deposits on demand (1) 3,520,842 126,203 296,340 Time deposits (2) 87,824,144 75,754,363 76,489,490 Repurchase agreements 24,734,028 45,125,343 54,871,132 Of which: Backed operations with Private Securities (3) 70,188 13,478,131 13,843,463 Backed operations with Government Securities 24,663,840 31,647,212 41,027,669 Total 116,079,014 121,005,909 131,656,962 (1) Non-remunerated accounts. (2) Includes operations with credit institutions resulting from export and import financing lines, domestic onlending (BNDES and Finame) and abroad, and other credit lines abroad. (3) Refer basically to repurchase agreements backed by own debentures. Schedule of Deposits from the Brazilian Central Bank and Deposits from credit institutions - by currency Thousand of reais 2022 2021 2020 Currency: Real 46,952,884 62,322,887 77,743,482 Euro - 9,309 13,156 US dollar 68,661,828 58,673,713 53,900,324 Other currencies 464,302 - - Total 116,079,014 121,005,909 131,656,962

Client deposits

Client deposits	12 Months Ended
	Dec. 31, 2022
Client Deposits
Client deposits	Client deposits The breakdown, by classification and type, of the balance of “Customer deposits” is as follows: Schedule of balance of Customer deposits Thousand of reais 2022 2021 2020 Classification: Financial liabilities at amortized cost 489,953,489 468,961,069 445,813,972 Total 489,953,489 468,961,069 445,813,972 Type: Demand deposits Current accounts (1) 26,607,407 41,742,247 35,550,105 Savings accounts 60,170,586 65,248,913 62,210,443 Time deposits 339,943,008 280,955,456 269,929,085 Repurchase agreements 63,232,488 81,014,453 78,124,340 Of which: Backed operations with Private Securities (2) 17,309,369 20,103,099 14,944,250 Backed operations with Government Securities 45,923,119 60,911,354 63,180,090 Total 489,953,489 468,961,069 445,813,972 (1) Non-remunerated accounts. (2) Refer basically to repurchase agreements backed by own 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, 2022
Marketable Debt Securities
Marketable debt securities	Marketable debt securities The breakdown, by classification and type, of the balance of “Marketable debt securities” is as follows: Schedule of balance of marketable debt securities Thousand of reais 2022 2021 2020 Classification: Financial liabilities at amortized cost 107,120,875 79,036,792 56,875,514 Total 107,120,875 79,036,792 56,875,514 Type: Real estate credit notes - LCI (1) 26,076,306 21,459,182 18,846,138 Eurobonds 14,508,126 12,952,068 9,399,277 Treasury Bills (2) 33,713,048 25,074,264 12,749,911 Agribusiness credit notes - LCA 24,045,319 16,989,434 14,746,831 Guaranteed Real Estate Credit Notes (3) 8,778,076 2,561,845 1,133,356 Total 107,120,875 79,036,792 56,875,514 (1) Real estate credit notes are fixed income securities backed by real estate credits and guaranteed by mortgage or fiduciary alienation of real estate. As of December 31, 2022, they mature between 2023 and 2028 (2021 - with maturity between 2022 and 2028 and 2020 - with maturity between 2021 and 2027). (2) The main characteristics of financial bills are a minimum term of two years, a minimum face value of R$50 and permission for early redemption of only 5% of the amount issued. As of December 31, 2022, they mature between 2023 and 2032 (2021 – with maturity between 2022 and 2031 and 2020 – with maturity between 2021 and 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 separate from the issuer's other assets. On December 31, 2022, they mature between 2023 and 2035 (12/31/2021 - with maturity between 2022 and 2035). Schedule of Indexers Indexers: Domestic Abroad Treasury Bills 100% to 112% of CDI - 100% of IPCA - Pre fixed: 4.26% to 14.35% - Real estate credit notes - LCI 86% to 105.8% of CDI - Pre fixed: 3.90% of 14.36% - 100% of IPCA - 1.5% to 1.7% of IPCA - 100% of TR - Agribusiness credit notes - LCA 70% to 104% of CDI - 5.37% to 14.07% of SELIC - Guaranteed Real Estate Credit Notes - LIG 6% to 106% of CDI - 95% to 108.5% of IPCA - Eurobonds - 0% a 9% - CDI+6,4% The breakdown, by currency, of the balance of this account is as follows: Schedule of breakdown, by currency, of the balance of this account Thousand of reais Currency: 2022 2021 2020 Real 92,612,749 66,084,725 47,490,706 US dollar 14,508,126 12,952,068 9,384,808 Total 107,120,875 79,036,792 56,875,514 Average interest (%) Currency: 2022 2021 2020 Real 12.3% 5.4% 2.5% US dollar 5.2% 5.7% 5.2% Total 8.8% 5.6% 3.9% The changes in the balance "Bonds for securities" were as follows: Schedule of variations in the balance obligations for bonds and securities Thousand of reais 2022 2021 2020 Balance at beginning of the year 79,036,792 56,875,514 73,702,474 Issuances 60,583,109 101,784,961 60,047,656 Payments (39,154,639) (97,220,580) (82,900,914) Interest (Note 32) 6,951,908 4,536,849 2,785,942 Exchange differences and Others (296,295) 13,060,048 3,240,356 Balance at end of the year 107,120,875 79,036,792 56,875,514 (1) In 2020, the Exchange Rate linked to “Obligations for bonds and securities” are related to Eurobonds. On December 31, 2022, 2021 and 2020, none of these instruments were converted into Bank shares or obtained privileges or rights that, under certain circumstances, would make them convertible into shares. Note 43-d contains details of the corresponding residual maturity periods of the financial liability at amortized cost in each year. The composition of "Eurobonds and other securities" is as follows: Schedule of breakdown of Bonds and other securities Issuance Maturity Until Interest Rate (p.a.) 2022 2021 2020 2018 2025 4.4% - 306,253 4,213,777 2019 2027 Until 6.4% + CDI 32,204 1,189,699 1,279,506 2020 2027 Until 6.4% + CDI 90,069 3,363,551 3,905,993 2021 2031 Until 9% + CDI 6,306,335 8,092,563 - 2022 2035 Until 9% + CDI 8,079,519 - - Total 14,508,127 12,952,066 9,399,276

Debt Instruments Eligible to Co

Debt Instruments Eligible to Compose Capital	12 Months Ended
	Dec. 31, 2022
Debt Instruments
Debt Instruments Eligible to Compose Capital	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 (Note 28.e), are as follows: Schedule of Debt Instruments Eligible to Compose Capital 2022 2021 2020 Issuance Maturity Issuance Value Interest Rate (p.a.) Tier I (1) nov-18 No Term (Perpetual) US$1.250 7.250% 6,591,740 7,050,080 6,554,451 Tier II (1) nov-18 nov/28 US$1.250 6.125% 6,580,937 7,038,527 6,565,209 Financial Bills - Tier II (2) nov-21 nov-31 R$5,300 CDI+2% 6,133,677 5,351,046 - Financial Bills - Tier II (2) dez-21 dez-31 R$200 CDI+2% 231,264 201,755 - Total 19,537,618 19,641,408 13,119,660 (1) Issues were made through the Cayman Branch and there is no withholding income tax, and interest is paid semi-annually, as of May 8, 2019. (2) Financial Bills issued in November 2021 have a redemption and repurchase option. Schedule of Changes in the balance of Debt Instruments Eligible to Compose Capital 2022 2021 2020 Balance at beginning of the year 19,641,408 13,119,660 10,175,961 Issuance - Tier II - 5,500,000 - Interest payment Tier I (1) 484,291 505,300 506,771 Interest payment Tier II (1) 379,103 449,899 402,622 Exchange differences / Others (105,467) 977,855 2,948,951 Payments of interest - Tier I (467,099) (493,071) (495,789) Payments of interest - Tier II (394,618) (418,235) (418,856) Balance at end of the year 19,537,618 19,641,408 13,119,660 (1) The interest remuneration referring to the Debt Instrument Eligible for Capital Tier I and II was recorded as a contra entry to income for the period under "Interest and Similar Expenses" (Note 32). The specific characteristics of the Notes issued to compose Tier I are: (a) Principal: US$1,250 billion; (b) Interest Rate: 7.25% p.a.; (c) without maturity (perpetual); (d) Interest payment frequency: semiannually, as of May 8, 2019. The specific characteristics of the Notes issued to compose Tier II are: (a) Principal: US$1,250 billion; (b) Interest Rate: 6.125% p.a.; (c) Maturity: on November 8, 2028; and (d) Frequency of payment of interest: semi-annually, as of May 8, 2019. 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 sole discretion of the Bank or due to changes in the tax legislation applicable to the Notes; or at any time, due to the occurrence of certain regulatory events.

Other financial liabilities

Other financial liabilities	12 Months Ended
	Dec. 31, 2022
Other Financial Liabilities
Other financial liabilities	Other financial liabilities The breakdown of the balances of these items is as follows: Schedule of breakdown of the balances of these items is as follows Thousand of reais 2022 2021 2020 Credit card obligations 38,941,974 45,976,315 48,912,963 Unsettled financial transactions (1) 20,743,759 10,861,143 7,210,396 Dividends and Interest on Capital payable 191,720 1,029,952 1,223,310 Tax collection accounts - Tax payables 1,108,778 969,939 864,292 Liability associated with the transfer of assets (Note 9.g) 32,138 40,511 55,105 Other financial liabilities 10,496,253 10,030,440 8,595,084 Total 71,514,622 68,908,300 66,861,150 (1) Includes transactions to be settled with B3 S.A. and payment orders in foreign currency.

Provisions for pensions and sim

Provisions for pensions and similar obligations	12 Months Ended
	Dec. 31, 2022
Provisions For Pensions And Similar Obligations
Provisions for pensions and similar obligations	Provisions for pensions and similar obligations On December 31, 2022, the balance of provisions for pension funds and similar obligations totaled R$ 1,775,202 2,728,126 3,929,265 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 SantanderPrevi Retirement Plan is structured in the Defined Contribution modality and has been closed to new members since July 2018, as approved by PREVIC, with contributions being shared between the sponsoring companies and plan participants. The amounts appropriated by the sponsors in 2022 were R$58,960 (2021 – R$69,142 and 2020 – R$110,325). It has 10 cases of lifetime income with benefits arising from the previous plan. SBPREV - Santander Brasil Open Pension Plan: 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 this 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 – 9.44 2021 8.39 2020 6.8 - Cabesp, Law 9,656 and others obligations – 9.64 2021 8.44 2020 7.1 • Estimated long-term inflation rate: - Banesprev, Sanprev, SantanderPrevi, Bandeprev and Other Plans – 3.0 2021 3.0 2020 3.3 • Estimate salary increase rate: - Banesprev, Sanprev, SantanderPrevi, Bandeprev Básico and Other Plans – 3.52 2021 3.52 2020 3.8 The funding status of the defined benefit obligations in and in the last 2 years are as follows: Schedule of Funding status of the defined benefit obligations 2022 2021 2020 Present value of the obligations - Post-employment plans: To current employees 186,038 320,202 478,837 Vested obligations to retired employees 23,920,682 26,183,758 28,202,580 Total 24,106,720 26,503,960 28,681,417 Less: Fair value of plan assets 27,316,715 28,321,826 28,634,891 Unrecognized assets (1) (4,141,741) (3,645,083) (2,762,220) Provisions – Post-employment plans, net 931,746 1,827,217 2,808,746 Present value of the obligations - Other similar obligations: To current employees 71,653 97,004 135,902 Vested obligations to retired employees 4,517,011 5,026,865 5,782,124 Total 4,588,664 5,123,869 5,918,026 Less: Fair value of plan assets 4,945,407 5,096,262 5,398,667 Unrecognized assets (1) (907,430) (585,495) (240,010) Provisions – Other similar obligations, net 550,687 613,101 759,370 Total provisions for pension plans, net 1,482,433 2,440,318 3,568,115 Of which: Actuarial provisions 1,775,202 2,728,126 3,929,265 Actuarial assets (note 15) 292,770 287,808 361,149 (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 are as follows: Schedule of amounts recognized in the consolidated income statement Post-Employment Plans 2022 2021 2020 Staff costs - Current service costs (note 39) 1,432 1,799 4,186 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) 2,175,565 (81,681) 108,268 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) (2,064,384) 252,608 97,291 Other movements - 41,546 2,117 16,786 Total 154,159 174,843 226,532 Schedule of Other Similar Obligations 2022 2021 2020 Staff costs - Current service costs (note 39) 5,015 6,820 5,860 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) 427,484 14,985 71,374 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) (382,028) 31,500 - Other movements - 31 (135) (142) Total 50,502 53,170 77,092 The changes in the present value of the accrued defined benefit obligations were as follows: Schedule of changes in the present value of the accrued defined benefit obligations Post-Employment Plans 2022 2021 2020 Present value of the obligations at beginning of year 26,503,960 28,681,417 28,057,482 Current service cost (Note 39) 1,432 1,799 4,186 Interest cost 2,175,565 1,971,031 1,940,515 Benefits paid (3,269,089) (2,159,866) (2,060,960) Actuarial (gains)/losses (1,347,974) (1,992,512) 722,261 Others 42,826 2,091 17,933 Present value of the obligations at end of year 24,106,720 26,503,960 28,681,417 Schedule of Other Similar Obligations 2022 2021 2020 Present value of the obligations at beginning of year 5,123,868 5,918,026 6,251,807 Current service cost (Note 39) 5,015 6,820 5,860 Interest cost 427,484 417,536 448,836 Benefits paid (398,149) (373,341) (337,742) Actuarial (gains)/losses (569,554) (845,173) (450,735) Present value of the obligations at end of year 4,588,664 5,123,868 5,918,026 The changes in the fair value of the plan assets were as follows: Schedule of changes in the fair value of the plan assets Post-Employment Plans 2022 2021 2020 Fair value of plan assets at beginning of year 28,321,826 28,634,891 25,822,890 Interest (Expense) Income 2,477,872 2,052,712 1,832,247 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense (950,298) (791,317) 2,994,598 Contributions/(surrenders) 750,690 589,006 49,716 Of which: By the Bank 747,913 585,437 44,970 By plan participants 2,777 3,569 4,746 Benefits paid (3,269,258) (2,159,866) (2,060,960) Exchange differences and other items (14,117) (3,600) (3,600) Fair value of plan assets at end of year 27,316,715 28,321,826 28,634,891 Schedule of Other Similar Obligations 2022 2021 2020 Fair value of plan assets at beginning of year 5,096,263 5,398,667 5,222,517 Interest (Expense) Income 449,758 402,551 377,462 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense (399,946) (521,100) (34,409) Contributions/(surrenders) 164,876 151,926 132,416 Of which: By the Bank 164,876 151,926 132,416 Benefits paid (365,544) (335,781) (299,319) Fair value of plan assets at end of year 4,945,407 5,096,263 5,398,667 Breakdown of gains (losses) actuarial by experience, financial assumptions and demographic hypotheses: Schedule of Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses Post-Employment Plans 2022 2021 2020 Experience Plan (739,281) (2,640,120) (807,895) Changes in Financial Assumptions 2,087,825 4,632,632 85,634 Changes in Financial Demographic (174) - - Gain (Loss) Actuarial - Obligation 1,348,370 1,992,512 (722,261) Return on Investment, Return Unlike Implied Discount Rate (962,916) (791,317) 2,994,598 Gain (Loss) Actuarial - Asset (962,916) (791,317) 2,994,598 Changes in Surplus / Deficit Uncollectible (82,891) (630,255) (1,318,382) Schedule of Other Similar Obligations 2022 2021 2020 Experience Plan (10,858) (290,878) 289,237 Changes in Financial Assumptions 580,286 1,136,497 182,120 Changes in Financial Demographic 126 (446) (20,621) Gain (Loss) Actuarial - Obligation 569,554 845,173 450,735 Return on Investment, Return Unlike Implied Discount Rate (403,979) (521,100) (34,409) Gain (Loss) Actuarial - Asset (403,979) (521,100) (34,409) Changes in Surplus Uncollectible (254,205) (313,984) (240,010) The experience adjustments arising from plan assets and liabilities are shown bellow: Schedule of experience adjustments arising from plan assets and liabilities Post - Employment Plans 2022 2021 2020 Experience in Net Assets Adjustments (950,298) (791,317) 2,994,598 Other Similar Obligations 2022 2021 2020 Experience in Net Assets Adjustments (399,946) (521,100) (34,409) The amounts of actuarial obligation of defined benefit plans not covered and defined benefit plans partially or totally covered are shown below: Schedule of actuarial obligation of defined benefit plans not covered and defined benefit plans partially or totally In thousands of reais 2022 2021 2020 Defined benefit plans uninsured 550,687 613,101 759,370 Defined benefit plans partially or totally covered 28,000,988 31,014,727 33,840,073 The main categories of plan assets as a percentage of total plan assets are as follows: Schedule of main categories of plan assets as a percentage 2022 2021 2020 Debt instruments 95.10% 96.68% 97.41% Properties 0.16% 0.17% 0.17% Other 4.72% 3.15% 2.45% The expected yield on the plan asset was determined based on market expectations for yields over the life of the corresponding bonds. The actual return value of plan assets was R$ 1,150,276 1,198,815 4,826,845 The following table shows the estimated benefits payable as of December 31, 2022, projected over the next ten years: Schedule of estimated benefits payable for the next ten years 2023 2,490,444 2024 2,537,599 2025 2,582,067 2026 2,623,161 2027 2,660,393 2028 to 2032 13,668,829 Total 26,562,493 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 would have the effects as follows: Schedule of change of one percentage point in the medical care cost rates Sensitivity 2022 2021 2020 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% (22,524) (240,984) (25,444) (305,114) (28,711) (402,547) (-)0.5% 24,802 265,351 28,133 337,349 32,099 450,049 Boards of Mortality Applied (+) 2 years (42,586) (455,624) (44,619) (535,039) (47,637) (667,904) Applied (-) 2 years 45,310 484,763 47,934 574,793 54,226 760,289 Cost of Medical Care (+)0.5% 29,297 313,438 31,280 375,089 34,718 486,769 (-)0.5% (27,104) (289,978) (28,762) (344,891) (31,637) (443,569) The following table shows the duration of the actuarial liabilities of the plans sponsored by Banco Santander: Schedule of duration of the actuarial liabilities of the plans Plans Post - Employment Plans Duration (in years) Banesprev Plans I 8.87 Banesprev Plans II 9.48 Banesprev Plans III 8.30 Banesprev Plans IV 10.11 Banesprev Plans V 7.19 Banesprev Pre-75 7.83 Sanprev I 5.78 Sanprev II 9.24 Sanprev III 8.25 Bandeprev Basic 7.74 Bandeprev Special I 5.61 Bandeprev Special II 5.16 SantanderPrevi 5.90 CACIBAN / DAB / DCA 5.67 4.79 5.17 Schedule of Plans Other Similar Obligations Cabesp 11.83 Bandepe 9.79 Free Clinic 8.91 Lifetime officers 6.88 Health officers 22.61 Circulars (1) 8.74 7.98 Life Insurance 7.88 (1) The duration 8.74 refers to the plan of Former Employees of Banco ABN Amro and 7.98 to the plan of Former Employees of Banco Real. Actuarial Assumptions Adopted in Calculations Schedule of actuarial Assumptions Adopted in Calculations 2022 2021 2020 Pension Health Pension Health Pension Health Nominal Discount Rate for Actuarial Obligation 9.44 9.64 9.46 9.64 8.4% 8.4% 6.8% 7.1% Rate Calculation of Interest Under Assets to the Next Year 9.44 9.64 9.46 9.64 8.4% 8.4% 6.8% 7.1% Estimated Long-term Inflation Rate 3.0% 3.0% 3.0% 3.0% 3.3% 3.3% Estimated Salary Increase Rate 3.5% N/A 3.5% N/A 3.8% N/A Mortality tables AT2000 AT2000 AT2000 AT2000 AT2000 AT2000 (1) (2)

Provisions for judicial and adm

Provisions for judicial and administrative proceedings, commitments and other provisions	12 Months Ended
	Dec. 31, 2022
Provisions For Judicial And Administrative Proceedings Commitments And Other Provisions
Provisions for judicial and administrative proceedings, commitments and other provisions	Provisions for judicial and administrative proceedings, commitments and other provisions a) Breakdown The breakdown of the balance of “Provisions” is as follows: Schedule of breakdown of the balance of Provisions Thousand of reais 2022 2021 2020 Pension fund provisions and similar requirements 1,775,202 2,728,126 3,929,265 Provisions for lawsuits and administrative proceedings, commitments and other provisions 7,339,941 8,876,356 9,885,713 Judicial and administrative proceedings under the responsibility of former controlling stockholders (Note 15) 496 496 496 Judicial and administrative proceedings 6,754,262 7,668,914 8,648,892 Of which: Civil 2,875,936 3,231,004 3,429,155 Labor 1,700,752 2,071,811 2,886,990 Tax and Social Security 2,177,574 2,366,099 2,332,747 Provisions for contingent commitments (Note 22.b.1) 430,484 908,027 724,779 Others provisions 154,700 298,919 511,546 Total 9,115,143 11,604,482 13,814,978 b) Changes The changes in “Provisions” were as follows: Schedule of Changes in Provisions Thousand of reais 2022 Pensions (1) Other Provisions Total Balance at beginning of year 2,728,126 8,876,356 11,604,482 Additions charged to income: Interest expense and similar charges 156,637 - 156,637 Personnel Expenses (Note 39) 6,447 - 6,447 Constitutions / Reversals and Adjustment of provisions 40,470 1,652,562 1,693,032 Other Comprehensive Income (401,147) - (401,147) Additions to provisions for contingent commitments - (477,543) (477,543) Payments to external funds (783,187) - (783,187) Amount paid - (2,713,474) (2,713,474) Transfer to other assets - actuarial assets (Note 15) 27,856 - 27,856 Transfers, exchange differences and other changes - 2,040 2,040 Balance at end of year 1,775,202 7,339,941 9,115,143 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 (1) For further information, see note 22. Provisions for pension funds and similar obligations. b.1) Provisions for contingent payments As per note 1.iii, IFRS 9 requires that the provision for expected credit losses be recorded for financial guarantee contracts provided, which have not yet been honored. The expense of providing that reflects the credit risk should be measured and accounted for when these guarantees are honored and the guaranteed customer does not comply with his contractual obligations. Below is the movement of these provisions in the 2022 and 2021 fiscal years. Schedule of Movement of provisions Thousand of reais 2022 2021 2020 Balance at the beginning of the period (after the initial adoption of IFRS 9) 908,027 724,779 683,918 Creation of provision for contingent commitments (477,543) 183,248 40,861 Balance at end of year 430,484 908,027 724,779 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 On February 8, 2023, the STF decided on res judicata in tax matters (Items 881 and 885), considering that a final decision on taxes collected on a continuous basis loses its effects if the Court decides otherwise. Banco Santander assessed and did not identify any material impact as a result of this decision. On February 8, 2023, the STF decided on res judicata in tax matters (Items 881 and 885), considering that a final decision on taxes collected on a continuous basis loses its effects if the Court decides otherwise. Banco Santander assessed and did not identify any material impact as a result of this decision. 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 - R$ 2,436,157 (12/31/2021 - R$ 4,075,496 ) Banco Santander and its subsidiaries filed legal measures seeking to invalidate the provisions of Law 9718/1998, according to which PIS and COFINS must be levied on all revenues of legal entities. Prior to the said rule, which had already been ruled out in numerous recent decisions by the Federal Supreme Court in relation to non-financial corporations, PIS and COFINS were levied only on billing related to the sale of goods. On April 23, 2015, the Federal Supreme Court issued a decision applicable only to Santander Brasil, accepting jurisdiction over the appeal relating to PIS and rejecting jurisdiction over the appeal relating to COFINS. The tax authorities appealed the decision of the Federal Supreme Court regarding COFINS, which was rejected on August 19, 2015. Regarding COFINS, the case is closed, with a decision in favor of Santander Brasil. In December 2022, the appeal related to the PIS, had its judgment initiated with a favorable vote of the rapporteur. Thus, after evaluating the forecasts and also considering procedural aspects, there was an improvement in the classification of the chances of success by the lawyers, so that the risk of loss is now considered possible as presented in the balances of item 22.c.4, not being probable an outflow of resources embodying economic benefits to settle the PIS obligation. The appeals filed by other companies in the group are awaiting judgment. 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 are 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 – 1,016,253 945,715 • Social Security Contribution (INSS) - 133,593 53,936 • Tax on Services (ISS) - Financial Institutions - 319,020 283,528 263,183 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 those replaced, and the amounts must be determined in the regular settlement of the sentence, which is why approximately 4,500 compliance actions have already been distributed individual of the collective sentence. On December 31, 2022, 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. This extension has a period of 5 years and the approval of the terms of the amendment took place on June 3, 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$ 33,065,986 INSS on Profit Sharing (PLR) 8,328,563 Tax on Services (ISS) - Financial Institutions 4,716,156 Non-Approved Compensation 5,319,526 Amortization of Banco Real's Goodwill 1,547,782 Losses on Credit Operations 1,669,620 Use of CSLL Tax Loss and Negative Basis 1,156,559 Amortization of Banco Sudameris Goodwill 699,460 IRPJ and CSLL - Capital Gain 521,724 IRRF - Remittance Abroad - 691,975 Labor claims classified as a possible loss totaled R$315,134, excluding the lawsuit below: Readjustment of the Pension Supplements of Banesprev by the IGPDI Liabilities related to civil lawsuits with possible risk of loss totaled R$ 2,488,221 • Action for Indemnity Referring to Custody Services • Indemnity Action from Banco Bandepe 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, 2022
Tax Assets And Liabilities
Tax assets and liabilities	Tax assets and liabilities a) Income and Social Contribution Taxes The total charge for the year can be reconciled to accounting profit as follows: Schedule of total charge for the year can be reconciled to accounting profit Thousand of reais 2022 2021 2020 Operating Profit Before Tax 19,574,727 24,750,329 9,663,975 Rates (25% income tax and 20% social contribution tax) (4) (8,890,954) (12,375,164) (4,348,789) PIS and COFINS (net of income and social contribution taxes) (1) (3,629,609) (1,679,789) (1,589,260) Non-taxable/Non-deductible: Equity in affiliates 3,880 72,114 85,723 Goodwill - (559,247) (183,854) Exchange variation - foreign branches (2) - 768,902 6,831,484 Net Indeductible Expenses of Non-Taxable Income (3) 1,161,311 (230,958) (57,663) Adjustments: Constitution of income and social contribution taxes on temporary differences 312,227 264,191 551,983 Interest on Equity 2,361,830 1,820,072 1,478,138 CSLL Aliquot Differential Effect (4) 715,075 1,192,687 353,777 Other adjustments 2,730,988 1,536,187 665,239 Income taxes (5,235,252) (9,191,005) 3,786,778 Of which: Current tax (4,597,818) (8,087,119) (5,111,380) Deferred taxes (637,434) (1,103,886) 8,898,158 Taxes paid in the year (6,077,436) (4,534,538) (1,269,150) (1) PIS and COFINS are considered as components of the profit base (net base of certain revenues and expenses); therefore, and in accordance with IAS 12, they are accounted for as income taxes. (2) Permanent differences related to investment in subsidiaries abroad are considered as non-taxable/deductible (see details below). (3) Includes, mainly, the tax effect on income from updates of judicial deposits and other income and expenses that do not qualify as temporary differences. (4) In 2021, Law No. 14,183/2021 increased the CSLL rate for financial companies from 15% to 20% and for banks from 20% to 25% from July to December 2021. In 2022, CSLL was increased from 15% to 16% for Financial companies and from 20% to 21% from August to December 2022, in accordance with Law 14,446/22. Financial) and 21% (Banks). In addition to the recurring events shown in this line, the relative values ​​of the judgment of Theme 962 by the Federal Supreme Court (STF) were also recognized, the non-incidence of IRPJ and CSLL on the amounts related to the Selic rate of repetition of tax overpayment. Currency Hedge of the Grand Cayman Agency, Luxembourg Banco Santander operates branches in the Cayman Islands and Luxembourg, which are 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 foreign trade finance and working capital. To hedge exposure to exchange variations, the Bank uses derivatives and funding. According to Brazilian tax rules, gains or losses resulting from the impact of the appreciation or devaluation of the Real on foreign investments were not taxable, but as of January 2021 they became taxable or deductible for IR/CSLL purposes, while that gains or losses from 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 variation of investments abroad must be computed in the determination of taxable income and in the calculation basis of the Social Contribution on Net Income ( CSLL) of the investor legal entity domiciled in the country. As of 2022, the exchange variation will be fully computed in the IRPJ and CSLL tax bases. The still different tax treatment for PIS and COFINS taxes, of such exchange differences, results in volatility in the "Operating Result before Taxation" and in the item "Income Taxes". The effects of the transactions carried out are set out below, as well as the total effect of the currency hedge for the years ended December 31, 2022 and 2021: Schedule of 2022 2021 2020 Exchange differences (net) Result generated by the exchange rate variations on the Bank's investment in the Cayman, Luxemburg and EFC Branch (2,643,931) 3,862,128 16,791,857 Gains (losses) on financial assets and liabilities (net) Result generated by derivative contracts used as hedge 2,773,337 (6,374,108) (30,374,869) Income Taxes Tax effect of derivative contracts used as hedge - PIS / COFINS (129,406) 275,052 311,819 Tax effect of derivative contracts used as hedge - IR / CS - 2,236,928 13,271,193 b) Effective tax rate calculation The effective tax rate is as follows: Schedule of effective tax rate Thousand of reais 2022 2021 2020 Operating Profit Before Tax 19,574,727 24,750,329 9,663,975 Income tax (5,235,252) (9,191,005) 3,786,778 Effective tax rate 26.74% 37.13% -39.18% 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: Schedule of Bank recognized the following amounts in consolidated equity Thousand of reais 2022 2021 2020 Tax credited to equity 4,853,421 4,583,297 3,008,035 Measurement at fair value through other comprehensive income 2,061,631 1,978,165 472,472 Measurement of cash flow hedges 758,045 388,307 1,533 Measurement of investment hedges 562,352 562,353 562,353 Defined benefit plan 1,471,393 1,654,472 1,971,677 Tax charged to equity (1,474,107) (2,349,500) (3,087,311) Measurement at fair value through other comprehensive income (1,465,965) (2,340,394) (2,700,991) Measurement of cash flow hedges - - (386,284) Defined benefit plan (8,142) (9,106) (36) Total 3,379,314 2,233,797 (79,276) 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: Schedule of Balances of Tax assets - Deferred and Tax liabilities - Deferred Thousand of reais 2022 2021 2020 Tax assets: 38,607,588 37,640,297 37,981,698 Of which: Temporary differences (1) 33,086,551 32,884,314 32,113,436 Tax loss carry forwards 5,521,037 4,755,983 5,693,104 Social contribution taxes 18% - - 175,158 Total deferred tax assets 38,607,588 37,640,297 37,981,698 Tax liabilities: 3,642,000 2,225,190 4,546,595 Of which: Excess depreciation of leased assets 289,026 - 166,903 Adjustment to fair value of trading securities and derivatives 3,352,974 2,225,190 4,379,692 Total deferred tax liabilities 3,642,000 2,225,190 4,546,595 (1) Temporary differences mainly refer 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: Schedule of Changes in the balances of Tax Assets - Deferred and Tax Liabilities - Deferred Thousand of reais Balances at December 31, 2021 Adjustment to Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2022 Tax assets: 37,640,297 2,834,405 (735,734) (1,131,380) - 38,607,588 Temporary differences 32,884,314 2,069,351 (735,734) (1,131,380) - 33,086,551 Tax loss carry forwards 4,755,983 765,054 - - - 5,521,037 Tax liabilities: 2,225,190 2,898,723 (647,856) (834,057) - 3,642,000 Temporary differences 2,225,190 2,898,723 (647,856) (834,057) - 3,642,000 Total 35,415,107 (64,318) (87,878) (297,323) - 34,965,588 Thousand of reais Balances at December 31, 2020 Adjustment to Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2021 Tax assets: 37,999,396 (3,609,495) 1,696,091 1,554,305 - 37,640,297 Temporary differences 32,131,133 (2,497,215) 1,696,091 1,554,305 - 32,884,314 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 33,452,801 (2,265,227) 2,673,228 1,554,305 - 35,415,107 Thousand of reais Balances at December 31, 2019 Adjustment to 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 37,981,699 Temporary differences 29,565,700 3,223,197 (400,583) (418,784) 161,603 32,113,436 Tax loss carry forwards 367,120 5,325,984 - - - 5,693,104 Social contribution taxes 18% 362,240 (187,081) - - - 175,159 Deferred 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 33,435,104 (1) Refers to tax recognized in equity. (2) In 2022, it refers mainly to the net of deferred taxes in the amount of R$(297,323) (2021 – R$1,572,002 and 2020 – R$358,435), which have the same counterparty and realization period. e) Expected realization of deferred tax assets Schedule of expected realization of deferred tax assets Tax assets Tax liabilities Year Temporary differences Tax loss carry forwards Social contribution taxes 18% Total Temporary differences Total 2023 11,738,573 94,081 - 11,832,654 674,661 674,661 2024 9,210,122 110,376 - 9,320,498 691,457 691,457 2025 9,001,904 850,688 - 9,852,592 506,886 506,886 2026 1,577,206 5,097 - 1,582,303 853,414 853,414 2027 986,375 4,029 - 990,404 853,414 853,414 2028 to 2032 572,371 4,456,766 - 5,029,137 62,168 62,168 Total 33,086,551 5,521,037 - 38,607,588 3,642,000 3,642,000

Other liabilities

Other liabilities	12 Months Ended
	Dec. 31, 2022
Other Liabilities
Other liabilities	Other liabilities The breakdown of the balance of “Other Liabilities” is as follows: Schedule of breakdown of the balance of other Liabilities Thousand of reais 2022 2021 2020 Accrued expenses and deferred income (1) 4,127,300 2,649,744 5,115,936 Transactions in transit (3) 794,786 796,671 674,162 Provision for share-based payment 340,789 319,660 325,930 Liabilities for insurance contracts 1,950,220 2,011,596 1,987,577 Other (2) 5,679,249 4,723,707 5,947,640 Total 12,892,344 10,501,378 14,051,245 (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, 2022
Other comprehensive income [abstract]
Other Comprehensive Income	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 (Notes 6), 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, 2022 is as follows: Schedule of other Comprehensive Income Financial assets measured at fair value Thousand of reais 2022 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 1,460,128 (2,544,087) (1,083,959) 54,809,740 Private-sector debt securities 428,640 (52,114) 376,526 582,438 Total 1,888,768 (2,596,201) (707,433) 55,392,178 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 Banco Santander assesses at each disclosure to the market whether there is any objective evidence that the instruments classified as Financial Assets Measured at Fair Value in Other Comprehensive Income (debt securities) show signs of loss due to non-recovery. 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 Income - Hedges of net investments in foreign operations, includes the net amount of changes in the value of instruments that are hedged for the hedges of net investments in foreign operations. In 2021, this hedge was discontinued (Note 8.a5). Translation adjustments for investments abroad, including the net amount of differences resulting from translating into Reais the balances of consolidated entities whose functional currency is not Reais (Note 2.a).

Non-controlling interests

Non-controlling interests	12 Months Ended
	Dec. 31, 2022
Non-controlling Interests
Non-controlling interests	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: Schedule of balance of equity - non-controlling interests Thousand of reais 2022 2021 2020 Financial Position of non-controlling interest 497,342 334,349 312,885 Banco PSA Finance Brasil S.A. 130,404 129,289 138,644 Rojo Entretenimento S.A. 7,692 6,939 7,087 Banco Hyundai Capital 218,808 183,538 167,155 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. (72) 3,109 - Toro Corretora de Títulos e valores Mobiliários S.A. 115,671 11,474 - Toro Investimentos S.A. 19,899 - - Solution 4fleet Consultoria Empresarial S.A. 1,648 - - Apê11 Tecnologia e Negócios Imobiliários S.A. (Apê11) 3,292 - - Schedule of Thousand of reais 2022 2021 2020 Profit attributable to non-controlling interests 52,382 31,272 32,224 Of which: Santander Leasing S.A. Arrendamento Mercantil - - (444) Banco PSA Finance Brasil S.A. 11,657 12,688 14,146 Rojo Entretenimento S.A. 530 (148) (159) Banco Hyundai Capital 41,107 21,563 18,681 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. (3,182) 1,569 - Toro Corretora de Títulos e Valores Mobiliários S.A. 2,693 (4,400) - Toro Investimentos S.A. 1,229 - - Solution 4Fleet Consultoria Empresarial S.A. (1,023) - - Apê11 Tecnologia e Negócios Imobiliários S.A. (Apê11) (629) - - b) Changes The changes in the balance of “Non-controlling interests” are summarized as follows: Schedule of changes in the balance of “Non-controlling interests 2022 2021 2020 Thousand of reais Balance at beginning of year 334,349 312,885 558,581 Change in the scope of consolidation (1) - 17,415 (271,078) Incorporation / Acquisition 20,446 - - Dividends paid / Interest on Capital (7,432) (19,138) - Capital increase 66,957 - - Profit attributable to non-controlling interests 52,382 31,272 32,224 Others 30,640 (8,085) (6,842) Balance at end of year 497,342 334,349 312,885 (1) 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.

Shareholders_ equity

Shareholders’ equity	12 Months Ended
	Dec. 31, 2022
Shareholders Equity
Shareholders’ equity	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 billions of reais. The capital stock, fully subscribed and paid, is divided into registered book-entry shares with no par value. Schedule of divided into registered book-entry shares Thousand of shares 2022 2021 Common Preferred Total Common Preferred Total Brazilian residents 120,850 146,392 267,242 109,718 135,345 245,063 Foreign residents 3,697,845 3,533,444 7,231,289 3,708,977 3,544,491 7,253,468 Total shares 3,818,695 3,679,836 7,498,531 3,818,695 3,679,836 7,498,531 (-) Treasury shares (31,162) (31,162) (62,324) (15,755) (15,755) (31,510) Total outstanding 3,787,533 3,648,674 7,436,207 3,802,940 3,664,081 7,467,021 Thousand of shares 2020 Common Preferred Total Brazilian residents 109,885 135,438 245,323 Foreign residents 3,708,810 3,544,398 7,253,208 Total shares 3,818,695 3,679,836 7,498,531 (-) Treasury shares (18,829) (18,829) (37,658) Total outstanding 3,799,866 3,661,007 7,460,873 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, 2022, December 31, 2021 and December 31, 2020. Schedule of distribution of dividends and Interest on Equity 2022 Real per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Dividends (1)(5) 1,300,000 165.95 182.55 348.50 165.95 182.55 348.50 Interest on Capital (1)(6) 1,700,000 217.02 238.72 455.73 184.46 202.91 387.37 Dividends (2)(6) 700,000 89.45 98.40 187.85 89.45 98.40 187.85 Interest on Capital (2)(6) 1,000,000 127.79 140.57 268.36 108.62 119.48 228.10 Interest on Capital (3)(6) 1,700,000 217.75 239.52 457.27 185.09 203.59 388.68 Dividends (4)(6) 820,000 105.02 115.53 220.55 105.02 115.53 220.55 Interest on Capital (4)(6) 880,000 112.71 123.98 236.69 95.80 105.38 201.19 Total 8,100,000 (1) Deliberated by the Board of Directors on February 1, 2022, paid on March 4, 2022, without any monetary restatement. (2) Deliberated by the Board of Directors on April 14, 2022, paid on May 16, 2022, without any monetary restatement. (3) Deliberated by the Board of Directors on August 5, 2022, paid on September 6, 2022, without any monetary restatement. (4) Deliberated by the Board of Directors on October 13, 2022, paid on November 22, 2022, without any remuneration by way of updating. (5) They were fully imputed to the minimum mandatory dividends distributed by the Bank for the year 2021. (6) Will be fully imputed to the mandatory minimum dividends to be distributed by the Bank for the year 2022. 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) Deliberated by the Board of Directors on February 2, 2021, paid on March 3, 2021, without any monetary restatement. (2) Deliberated by the Board of Directors on July 27, 2021, paid on September 3, 2021, without any monetary restatement. (3) Deliberated by the Board of Directors on October 26, 2021, paid on December 3, 2021, without any monetary restatement. (4) Resolved by the Board of Directors on December 28, 2021, paid on February 3, 2022, without any remuneration by way of monetary restatement. (5) They were fully imputed to the minimum mandatory dividends distributed by the Bank for the year 2021. 2020 Reais per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Interest on Capital (1) 5) 890,000 113.71 125.08 238.79 96.65 106.32 202.97 Interest on Capital (2) (5) 770,000 98.37 108.21 206.58 83.62 91.98 175.60 Interest on Capital (3) (5) 1,000,000 127.76 140.54 268.30 108.59 119.45 228.04 Interim Dividends (4) (5) 665,000 84.96 93.45 178.41 72.21 79.44 151.65 Interest on Capital (5) (6) 512,085 65.43 71.97 137.40 65.43 71.97 137.40 Total 3,837,085 (1) Deliberated by the Board of Directors on April 27, 2020, paid on June 24, 2020, without any compensation as compensation restatement. (2) Deliberated by the Board of Directors on July 28, 2020, paid on September 25, 2020, without any remuneration as monetary update. (3) Deliberated by the Board of Directors on October 26, 2020, paid on December 23, 2020, without any remuneration to currency update title. (4) Deliberated by the Board of Directors on December 28, 2020, paid from February 1, 2021, without any compensation as a monetary update. (5) They were fully imputed 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 remuneration as currency update. 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. d) Treasury shares In a meeting held on August 2, 2022, the Board of Directors approved, in continuation of the repurchase program that expired on the same date, a new program for the repurchase of Units and ADRs issued by Banco Santander, directly or through its branch in Cayman, to be held in treasury or later sold. The Buyback Program covers the acquisition of up to 36,986,424 Units, representing 36,986,424 common shares and 36,986,424 preferred shares, which corresponded, on June 30, 2022, to approximately 1% of the Bank's share capital. As of June 30, 2022, Banco Santander had 345,962,035 common shares and 373,766,448 preferred shares outstanding. The purpose of the repurchase is (1) to 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 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 August 3, 2022, ending on February 5, 2024. Schedule of treasury shares 2022 2021 2020 Quantity Quantity Quantity Units Units Units Treasury shares at beginning of the period 15,755 18,829 16,702 Shares Acquisitions 20,297 91 5,052 Payment - Share-based compensation (4,891) (3,165) (2,925) Treasury shares at end of the period 31,161 15,755 18,829 Balance of Treasury Shares in thousand of reais R$ 1,217,545 R$ 711,268 R$ 789,587 R$ 1,771 R$ 1,771 R$ 1,771 Balance of Treasury Shares in thousands of reais R$ 1,219,316 R$ 713,039 R$ 791,358 Cost/Share Price Units Units Units Minimum cost (1) R$7.55 R$7.55 R$7.55 Weighted average cost (1) R$27.73 R$33.86 R$33.24 Maximum cost (1) R$49.55 R$49.55 R$49.55 Share Price R$28.19 R$29.98 R$44.83 (1) Considering since the beginning of operations on the stock exchange. Additionally, in the year ended December 31, 2022, treasury shares were traded which resulted in a gain of R$ 68,895 40,820 9,274

Earnings per share

Earnings per share	12 Months Ended
	Dec. 31, 2022
Earnings per share [abstract]
Earnings per share	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. Schedule of basic earnings per share 2022 2021 2020 Profit attributable to the Parent 14,287,093 15,528,052 13,418,529 Earnings per share (BRL) Basic Profit per 1,000 shares (in reais - BRL) Common shares 1,831.43 1,981.65 1,713.45 Preferred shares 2,014.57 2,179.82 1,884.80 Net Profit attributable - Basic (BRL) Common shares 6,936,588 7,535,924 6,511,367 Preferred shares 7,350,505 7,992,128 6,907,162 Weighted average shares outstanding (in thousands) - Basic Common shares 3,787,533 3,802,851 3,800,140 Preferred shares 3,648,674 3,666,423 3,664,666 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. Schedule of diluted earnings per share 2022 2021 2020 Profit attributable to the Parent 14,287,093 15,528,052 13,418,529 Earnings per share (in reais - BRL) Diluted earnings per 1,000 shares (in reais - BRL) Common shares 1,831.43 1,981.65 1,713.45 Preferred shares 2,014.57 2,179.82 1,884.80 Net Profit attributable - Basic (in reais - BRL) Common shares 6,936,588 7,535,924 6,511,367 Preferred shares 7,350,505 7,992,128 6,907,162 Weighted average shares outstanding (in thousand) - Diluted Common shares 3,787,533 3,802,851 3,800,140 Preferred shares 3,648,674 3,666,423 3,664,666

Fair value of financial assets

Fair value of financial assets and liabilities	12 Months Ended
	Dec. 31, 2022
Fair Value Of Financial Assets And Liabilities
Fair value of financial assets and liabilities	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: Financial Assets and Liabilities measured at fair value through profit or loss or through Other Comprehensive Income Level 1: Level 2: Level 3: Derivatives Level 1: Level 2: In pricing the afore mentioned financial instruments, the Black-Scholes model methodology is used (exchange rate options, interest rate index options, caps and floors) and the present value method (discount of future values ​​by curves of market). 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, 2022, 2021 and 2020, classified based on the various measurement methods adopted by the Bank to determine their fair value: Schedule of air values of financial assets and liabilities 12/31/2022 Level 2 Level 3 Total Financial Assets Measured At Fair Value Through Profit Or Loss 617,356 55,500,261 2,428,997 58,546,614 Debt instruments 617,356 910,480 2,428,997 3,956,833 Balances with The Brazilian Central Bank - 54,589,781 - 54,589,781 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 62,749,831 21,304,134 780,391 84,834,356 Debt instruments 60,482,471 1,508,342 243,808 62,234,621 Equity instruments 2,267,360 97,869 - 2,365,229 Derivatives - 19,697,923 536,583 20,234,506 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss - 1,691,606 442,726 2,134,332 Equity instruments - 211,788 28,262 240,050 Loans and advances to customers - 1,479,818 414,464 1,894,282 Financial Assets Measured At Fair Value Through Other Comprehensive Income 52,154,497 1,767,733 1,503,441 55,425,671 Debt instruments 52,154,405 1,762,547 1,475,226 55,392,178 Equity instruments 92 5,186 28,215 33,493 Hedging derivatives (assets) - 1,741,318 - 1,741,318 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading - 40,512,986 233,762 40,746,748 Trading derivatives - 18,465,563 233,762 18,699,325 Short positions - 22,047,423 - 22,047,423 Financial Liabilities Measured At Fair Value Through Profit Or Loss - 8,921,518 - 8,921,518 Other financial liabilities - 8,921,518 - 8,921,518 Hedging derivatives (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 - 20,503,650 293,810 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 Movements in fair value of Level 3 The following tables demonstrate the movements during 2022, 2021 and 2020 for the financial assets and liabilities classified as Level 3 in the fair value hierarchy: Schedule of fair value hierarchy Fair Value Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2022 Financial Assets Measured At Fair Value Through Profit Or Loss 2,520,813 (139,603) -     (156,307) -     204,094 2,428,997 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 462,156 140,780 (57,926) -     197,309 780,391 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 449,264 (49,069) (66,980) 109,511 442,726 Financial Assets Measured At Fair Value Through Other Comprehensive Income 601,604 (4,792) 325,456 581,172 1,503,441 Financial Liabilities Measured At Fair Value Through Profit Or Loss 433,583 (176,639) (89,734) 31,703 233,762 Fair Value 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 Held For Trading 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 Held For Trading 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 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 Bank's financial assets are measured at fair value in the consolidated balance sheet, except for financial assets measured at amortized cost. 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, 2022, 2021 and 2020: Schedule of financial assets measured at other than fair value and their respective fair values 12/31/2022 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments 22,003,439 22,003,439 22,003,439 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 20,713,315 20,713,315 - 2,439,823 18,273,492 Loans and advances to customers 488,735,746 484,362,272 - - 484,362,272 Debt instruments 81,329,013 81,129,982 23,419,946 9,873,633 47,836,403 Balances with The Brazilian Central Bank 73,046,299 73,046,299 - 73,046,299 - Total 685,827,812 681,255,307 45,423,385 85,359,755 550,472,167 12/31/2021 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments 16,657,201 16,657,201 16,657,201 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 26,485,913 26,485,913 - 4,129,438 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 Balances with The Brazilian Central Bank 69,178,841 69,178,841 - 69,178,841 - 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 20,148,725 20,148,725 20,148,725 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 54,072,564 54,072,564 - 715,526 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 Balances with The Brazilian Central Bank 58,777,212 58,777,212 - 58,777,212 - Total 575,073,521 579,840,767 24,574,448 81,508,836 473,757,483 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, 2022, 2021 and 2020: During 2020, The Bank reclassified R$ 73,075,341 of “Deposits of Brazil's Central Bank and deposits of credit institutions” and R$ 390,760,088 of “Customer deposits” from level 2 to level 3, as there was no active trading market for these instruments.” Schedule of financial liabilities measured at other than fair value and their respective fair values 12/31/2022 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 116,079,014 116,079,014 - 24,734,029 91,344,985 Customer deposits 489,953,489 489,920,266 - 63,223,998 426,696,268 Marketable debt securities 107,120,875 105,554,365 - - 105,554,365 Debt instruments Eligible Capital 19,537,618 19,537,618 - - 19,537,618 Other financial liabilities 62,593,104 62,593,104 - - 62,593,104 Other financial liabilities 795,284,100 793,684,367 - 87,958,027 705,726,340 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 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 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 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, 2022
Operational Ratios
Operational Ratios	Operational Ratios Bacen determines that financial institutions maintain Reference Equity (PR), PR Tier I and Core Capital compatible with the risks of their activities, higher than the minimum requirement of Required Reference Equity, represented by the sum of the credit risk, 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 at 10.625%, including 8.00% of Minimum Reference Equity plus 1.625% of Additional Capital Conservation and 1.00% Systemic Additional. The Tier I PR was 8.625% and the Minimum Principal Capital of 7.125%. In October 2021, the Capital Conservation Additional 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 Capital Conservation Additional and 1.00% of Systemic Additional, with the requirement of PR Tier I of 9.00% and Principal Capital Minimum of 7.50%. As of April 2022, the PR requirement reached 11.50%, considering 8.00% of the Reference Equity Minimum plus 2.50% of Capital Conservation Additional and 1.00% of Systemic Additional, with requirement PR Tier I and Minimum Core 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 effect. 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: Schedule of financial Conglomerate BASEL INDEX % Dec-22 Dec-21 Dec-20 Tier I Regulatory Capital 75,943.7 76,969.9 77,571.5 Principal Capital 69,229.0 69,919.9 71,006.3 Supplementary Capital 6,714.7 7,050.1 6,565.2 Tier II Regulatory Capital 13,109.8 12,591.3 6,554.5 Regulatory Capital (Tier I and II) 89,053.5 89,561.3 84,126.0 Credit Risk 559,230.6 527,119.3 478,303.5 Market Risk 19,332.1 15,122.2 15,846.3 Operational Risk 60,073.2 58,499.8 57,419.4 Total RWA 638,635.9 600,741.3 551,569.2 Basel I Ratio 11.89 12.81 14.06 Basel Principal Capital 10.84 11.64 12.87 Basel Regulatory Capital 13.94 14.91 15.25 (1) Exposures to credit risk subject to the calculation of the capital requirement through a standardized approach (RWACPAD) are based on the procedures established by Bacen Circular 3,644, of March 4, 2013 and its subsequent additions through the wording of Bacen Circular 3,174 of August 20, 2014 and Bacen Circular 3,770 of October 29, 2015. (2) Includes the portions for market risk exposures subject to variations in foreign currency coupon rates (RWAjur2), price indices (RWAjur3) and interest rate (RWAjur1/RWAjur4), the price of commodities (RWAcom), the price of shares classified in the trading portfolio (RWAacs) and portions for exposure to gold, foreign currency and transactions subject to exchange variation (RWAcam). (3) Risk Weighted Assets or risk weighted asset. Banco Santander publishes the Risk Management Report on a quarterly basis with information regarding risk management, a brief description of the Recovery Plan, capital management, PR and RWA. The report with more detail on the assumptions, structure and methodologies can be found at www.santander.com.br/ri. Financial institutions are required to maintain the application of funds in permanent assets in accordance with the level of the adjusted Referential Equity. Funds invested in permanent assets, calculated on a consolidated basis, are limited to 50% of the Reference Equity value adjusted in accordance with the regulations in force. Banco Santander meets the established requirements.

Interest and similar income

Interest and similar income	12 Months Ended
	Dec. 31, 2022
Interest And Similar Income
Interest and similar income	Interest and similar income Interest and similar income in the consolidated statement of income comprises interest accrued during the year on all financial assets with an implicit or explicit return, calculated using the effective interest method, regardless of the measurement of fair value, and adjustments to result as a result of hedge accounting. Interest is recognized gross, excluding withholding taxes. The breakdown of the main items of interest and similar charges accrued in 2022, 2021 and 2020 is as follows: Schedule of breakdown of the main items of interest and similar charges accrued Thousand of reais 2022 2021 2020 Cash and balances with the Brazilian Central Bank 10,202,362 2,581,083 1,552,121 Loans and advances - Credit institutions 2,722,311 1,116,013 1,518,557 Loans and advances - Customers 73,596,047 55,775,027 44,103,997 Debt instruments 22,001,700 16,957,840 13,556,403 Pension Plans (note 21) 19,587 19,612 16,720 Other interest 6,683,111 1,537,733 2,027,142 Total 115,225,118 77,987,308 62,774,940

Interest expense and similar ch

Interest expense and similar charges	12 Months Ended
	Dec. 31, 2022
Interest Expense And Similar Charges
Interest expense and similar charges	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 2022, 2021 and 2020 is as follows: Schedule of breakdown of the main items of interest and similar charges accrued Thousand of reais 2022 2021 2020 Credit institutions deposits 6,736,736 4,712,388 4,327,276 Customer deposits 38,508,954 13,187,967 7,504,276 Marketable debt securities and subordinated liabilities: Marketable debt securities (note 18) 6,951,908 4,536,849 2,785,942 Debt Instruments Eligible to Compose Capital (note 19) 863,394 902,398 909,393 Pension Plans (note 21) 176,224 237,024 293,653 Other interest (1) 14,484,725 3,092,216 2,511,688 Total 67,721,941 26,668,842 18,332,228 (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, 2022
Equity Instruments
Income from equity instruments	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: Schedule of breakdown of the balance of this item Thousand of reais 2022 2021 2020 Equity instruments classified as: Financial Assets Measured At Fair Value Through Profit Or Loss 33,985 89,563 30,232 Financial Assets Measured At Fair Value Through Other Comprehensive Income 4,088 477 3,522 Total 38,073 90,040 33,754

Fee and commission income

Fee and commission income	12 Months Ended
	Dec. 31, 2022
Fee And Commission Income
Fee and commission income	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: Schedule of breakdown of the balance Thousand of reais 2022 2021 2020 Collection and payment services: Bills 1,097,170 1,228,497 1,146,929 Demand accounts 2,917,271 3,088,728 2,984,289 Cards (Credit and Debit) and Acquiring Services 5,890,549 5,208,160 6,300,583 Checks and other 109,014 108,487 126,481 Orders 751,766 660,177 844,056 Total 10,765,770 10,294,049 11,402,338 Marketing of non-Banking financial products: Investment funds 568,455 672,915 545,822 Insurance 3,524,201 3,499,342 3,043,036 Capitalization plans 803,052 703,980 630,453 Total 4,895,708 4,876,237 4,219,311 Securities services: Securities underwriting and placement 1,017,763 894,182 695,654 Securities trading 325,960 304,507 267,576 Administration and custody 704,936 640,608 485,756 Asset management 890 946 1,161 Total 2,049,549 1,840,243 1,450,147 Other: Foreign exchange 1,888,194 1,511,807 1,396,715 Financial guarantees 678,908 804,503 728,232 Other fees and commissions 959,594 1,061,250 1,409,964 Total 3,526,696 3,377,560 3,534,911 Total 21,237,723 20,388,089 20,606,707

Fee and commission expense

Fee and commission expense	12 Months Ended
	Dec. 31, 2022
Fee And Commission Expense
Fee and commission expense	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: Schedule of fees and commissions paid or payable Thousand of reais 2022 2021 2020 Commissions assigned to third parties (1) 3,918,115 3,019,496 2,781,568 Other fees and commissions 2,443,728 2,095,292 1,596,925 Total 6,361,843 5,114,788 4,378,493 (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, 2022
Gains Or Losses On Financial Assets And Liabilities
Gains or losses on financial assets and liabilities	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: Schedule of breakdown of the balance of this item, by type of instrument Thousand of reais 2022 2021 2020 Financial Assets Held For Trading (1) Financial Assets Measured At Fair Value Through Profit Or Loss 1,626,177 1,555,837 711,949 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading (1) 3,445,525 3,519,626 12,122,794 Non-Tranding Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss (270,616) 205,016 172,828 Financial Assets Not Measured At Fair Value Through Profit Or Loss (239,777) (665,853) (239,054) Financial Assets available-for-sale Debt instruments (42,552) (432,510) (207,011) Equity instruments (197,225) (233,343) (32,043) Financial Assets Measured At Fair Value Through Other Comprehensive Income Gains or losses from hedge accounting, net (407,973) (4,392,844) 229,543 Total 4,153,336 221,782 12,998,060 (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, 2022
Exchange Differences
Exchange differences (net)	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. Schedule of exchange differences (net) Thousand of Reais 2022 2021 2020 Revenue with Exchange Variations 170,221,459 196,480,319 78,578,786 Expenses with Exchange Variations (169,675,569) (198,482,605) (103,279,748) Total 545,890 (2,002,286) (24,700,962)

Other operating income and expe

Other operating income and expenses	12 Months Ended
	Dec. 31, 2022
Other Operating Income And Expenses
Other operating income and expenses	Other operating income and expenses The breakdown of "Other operating income (expense)" is as follows: Schedule of Other operating income and expenses Thousand of reais 2022 2021 2020 Other operating income 885,774 914,084 792,639 Other operating expense (1,238,328) (1,559,663) (1,237,133) Contributions to fund guarantee of credit - FGC (488,448) (473,801) (428,016) Total (841,002) (1,119,380) (872,510)

Personnel expenses

Personnel expenses	12 Months Ended
	Dec. 31, 2022
Personnel Expenses
Personnel expenses	Personnel expenses a) Breakdown The breakdown of “Personnel expenses” is as follows: Schedule of personnel expenses Thousand of reais 2022 2021 2020 Wages and salaries 6,311,240 5,905,394 5,730,779 Social security costs 1,431,129 1,153,164 1,222,352 Benefits 1,602,744 1,434,815 1,390,044 Defined benefit pension plans (note 22) 6,447 6,415 6,892 Contributions to defined contribution pension plans 128,091 152,156 117,216 Share-based compensation 39,876 24,045 19,348 Training 59,832 54,858 49,037 Other personnel expenses 317,636 294,855 335,814 Total 9,896,995 9,025,702 8,871,482 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 Schedule of Share-Based Compensation 01/01 to 01/01 to 01/01 to Program Liquidity Type Vesting Period Period of Exercise 01/2019 to 12/2021 2022 and 2023 R$              40,403 (*) R$               4,216,667 (*) R$         4,916,667 01/2020 to 12/2022 2023 R$         4,002,000 (*) R$               3,668,000 (*) R$                   - 01/2020 to 12/2022 2023 and 2024 R$                   - (*) R$               2,986,667 (*) R$         9,440,000 01/2021 to 09/2024 2024 R$       23,490,000 (*) R$             13,520,000 (*) R$                   - 01/2021 to 12/2023 2023 R$         1,500,000 (*) R$               1,834,000 (*) R$                   - Local Santander Brasil Bank Shares 07/2019 to 06/2022 2022 111,066 SANB11 111,962 SANB11 109,677 SANB11 09/2020 to 09/2022 2022 304,594 SANB11 301,583 SANB11 450,738 SANB11 01/2020 to 09/2023 2023 209,278 SANB11 249,666 SANB11 281,031 SANB11 01/2021 to 12/2022 2023 139,163 SANB11 177,252 SANB11 - SANB11 01/2021 to 12/2023 2024 343,863 SANB11 327,065 SANB11 - SANB11 01/2021 to 01/2024 2024 222,178 SANB11 30,545 SANB11 - SANB11 01/2020 to 12/2022 2023 159,253 SAN (**) 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 832,569 Options s/ SAN (**) 1,618,445 Options s/ SAN (**) 1,664,983 Options s/ SAN (**) 01/2021 to 12/2023 02/2024 124,184 SAN (**) 135,632 - 01/2021 to 12/2023 02/2024, with limit for options' exercise until 02/2029 370,477 Options s/ SAN (**) 404,630 - R$       28,992,000 (*) R$             26,225,334 (*) R$       14,356,667 (*) Balance of Plans on December 31, 2022 1,436,867 SANB11 1,198,073 SANB11 841,446 SANB11 434,140 SAN 445,208 SAN 318,478 SAN 1,781,759 Options s/ 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 risks. Impact on Income The impacts on the result are recorded in the Personnel Expenses item, as follows: Schedule of impacts on the result are recorded in the Personnel Expenses Consolidated 01/01 to 01/01 to 01/01 to Program Settlement Type Local Santander Actions (Brazil) 25,506 20,720 10,776 Global Santander Spain shares and stock options 3,706 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: Schedule of Variable Remuneration Referenced to Shares Program Participant Liquidity Type 01/01 to 12/31/2022 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) 8,228 63,658 103,696 Unidentified Collective Management-level employees and employees who are benefited by the Deferral Plan 50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11) 76,275 111,995 98,696

Other general administrative ex

Other general administrative expenses	12 Months Ended
	Dec. 31, 2022
Other General Administrative Expenses
Other general administrative expenses	Other general administrative expenses a) Breakdown The detail of other general administrative expenses is as follows: Schedule of Breakdown - Other administrative expenses Thousand of reais 2022 2021 2020 Genreal maintenance expenses 895,734 889,077 743,580 Technology maintenance expenses 2,577,479 2,474,348 2,355,310 Advertising 540,593 621,425 654,175 Communications 421,522 353,271 648,856 Per diems and travel expenses 72,647 71,840 68,922 Taxes other than income tax 148,950 202,440 280,098 Surveillance and cash courier services 548,759 597,946 594,953 Insurance premiums 21,977 22,374 16,620 Specialized and technical services 2,228,715 2,184,139 2,171,460 Technical reports 425,767 355,343 319,814 Others specialized and technical services 1,802,948 1,828,795 1,851,646 Other administrative expenses (1) 886,742 873,857 709,504 Total 8,343,118 8,290,717 8,243,478 (1) On December 31, 2022, it is mainly composed of Data Processing Expenses in the balance of R$ 155,326 (2021 – R$ 160,716 and 2020 - R$ 176,105), Services Expenses in the balance of R$ 52,165 (2021 - revenue of R$ 51,689 and 2020 – R$ 27,751), Expenses with the Benefit Guarantee Fund - FGB 3,979 (2021 – R$ 3,864 and 2020 – R$ 8,478), and Recovery of Charges and Expenses R$ 435,717 (2021 – R$ 378,604 and 2020 – R$ 212,850). 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: Schedule of Balance of Technical reports Millions of Reais 2022 2021 2020 Independent audit of the financial statements of the companies included in the consolidation scope 28.9 26.3 24.0 Audit Related 0.3 0.2 0.4 Others 0.3 0.4 0.0 Total 29.5 26.9 24.4 The approximate amount of taxes according to Law 12,741/2012 totals R$4.2 million R$3.8 million R$3.5 million

Gains or losses on non financia

Gains or losses on non financial assets and investments, net	12 Months Ended
	Dec. 31, 2022
Gains Or Losses On Non Financial Assets And Investments Net
Gains or losses on non financial assets and investments, net	Gains or losses on non financial assets and investments, net The breakdown of the balance of this item is as follows: Schedule of Gains or losses on non financial assets and investments, net Thousand of reais 2022 2021 2020 Gains 62,951 45,780 285,335 Tangible and intangible assets 62,951 45,780 36,778 Investments - - 248,557 Losses (40,596) (60,893) (54,622) Tangible and intangible assets (40,596) (32,863) (14,517) Investments - (28,030) (40,105) Total 22,355 (15,113) 230,713

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, 2022
Non-current Assets Held For Sale
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 As of December 31, 2022, the result of R$ 109 million 85 million 48 million 101 million 77 million 24 million 49 million

Other disclosures

Other disclosures	12 Months Ended
	Dec. 31, 2022
Other Disclosures
Other disclosures	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, 2022, 2021 and 2020 all of the guarantees. 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. Schedule of Maximum potential amount of future payments Thousand of reais 2022 2021 2020 Maximum potential amount of future payments Contingent liabilities Guarantees and other sureties 54,497,392 49,391,839 45,930,486 Financial guarantees 41,456,445 33,192,559 32,477,336 Performance guarantees 2,167,016 1,167,603 989,979 Financial letters of credit 10,841,284 14,990,887 12,407,888 Other 32,647 40,790 55,283 Other contingent exposures 2,881,565 4,028,516 2,351,530 Documentary Credits 2,881,565 4,028,516 2,351,530 Total Contingent Liabilities 57,378,957 53,420,355 48,282,016 Commitments Loan commitments drawable by third parties (1) 158,731,264 145,958,258 131,706,433 Total Commitments 158,731,264 145,958,258 131,706,433 Total 216,110,221 199,378,613 179,988,449 (1) Includes the approved limits and unused overdraft, credit card and others. The Bank's customers are provided with financial guarantees in commitments with third parties. There is a right to charge customers for the reimbursement of any amount that the Bank has to pay due to these guarantees. In addition, cash on hand or other highly liquid collateral may be maintained for these commitments. These contracts are subject to the same credit assessment performed for loans. The Bank's expectation is that these guarantees will expire without the need for a cash advance. Therefore, in the normal course of business, the Bank expects that these transactions will have virtually no impact on its liquidity. Performance guarantees are issued to secure customer commitments, such as contract-specified investments, and supply specified products, core products or maintenance or service guarantees to third parties, completion of projects in accordance with contractual terms, etc. Standby letter of credits include loan payment guarantees, lines of credit, promissory notes and commercial acceptances. The Bank always requires surety to grant this type of financial guarantee. In documentation credits, the Bank acts as a payment mediator between commercial companies located in different countries (import/export operations). In the documentation credit operation, the parties involved deal with the documents instead of dealing with the products to which the documents relate. Normally, the basic products traded are used as collateral for the operation and the Bank can provide some lines of credit. Third party redeemable loan commitments include most credit card facilities and commercial commitments. Credit card lines can be canceled unilaterally by the issuer. Commercial commitments are mostly one-year lines subject to customer disclosure. The risk criteria for issuing all types of guarantees, standby financial letters of credit and documentation credits and for all signature risks are generally the same as those used for other credit risk products and therefore subject to the same admission and screening standards. Collateral provided on behalf of clients is subject to the same credit quality review process as any other risk product. Regularly, at least once a year, the solvency of customers is checked, as well as the likelihood that these guarantees will be enforced. If there is any doubt about the customer's solvency, provisions are debited from net income, in the amount of inherent losses, even if there is no lawsuit filed against the Bank. The recording of provisions for non-recovery losses related to guarantees and other sureties (note 9.c) is made under the caption Losses on financial assets (net) in the consolidated statement of income and its calculation is described in note 2.i. In addition, the liability recognized as deferred income for the premium received for providing these guarantees is being amortized over the life of the related guarantees and amounts to R$307,296 (2021 - R$382,255 and 2020 - R$356,226). b) Off-balance funds under management Banco Santander has funds under management, in which it does not have a significant interest, does not act as a "principal" and does not have an equity interest. Based on the contractual relationship that governs the management of such funds, the third parties that hold the equity interest are those that are exposed, or have rights, to variable returns and have the ability to affect these returns through decision-making power. In addition, the Bank acts as a fund manager in the analysis of the remuneration system, which are proportional to the service provided and, therefore, does not indicate that the fund manager acts as a "principal" (Note 2.w). Funds managed by Banco Santander not recorded on the balance sheet are the following: Schedule of funds managed by Banco Santander not recorded on the balance sheet Thousand of reais 2022 2021 2020 Funds under management 18,934,221 2,770,684 2,716,477 Managed Funds 265,517,852 192,927,475 191,873,169 Total 284,452,073 195,698,159 194,589,646 c) Third-party securities held in custody On December 31, 2022, the Bank held third-party debt and securities in custody in the total amount of R$ 48,918,436 (2021 – R$ 37,998,502 - and 2020 – R$ 35,519,498). d) Residual maturity The composition, by maturity, of the balances of Financial Assets and Financial Liabilities in the consolidated balance sheet is as follows: Schedule of breakdown, by maturity, of the balances of certain items in the consolidated balance sheets 2022 Thousand of reais On Up to 3 to 1 to 3 to After 5 Total Assets: Cash 21,588,648 414,791 - - - - 22,003,439 Debt instruments 16,743,026 6,128,498 24,066,831 51,980,394 33,416,823 70,577,073 202,912,645 Equity instruments 2,473,827 42,813 116,447 2,429 - 3,256 2,638,772 Loans and amounts due from credit institutions 53,762 542,117 10,740,281 8,723,942 640,701 12,512 20,713,315 Loans and advances to customer 11,271,204 123,503,143 117,101,333 152,555,108 38,944,000 47,255,240 490,630,028 Derivatives 5,815 4,365,403 2,827,973 4,661,329 3,033,806 7,081,498 21,975,824 Balances with the Brazilian Central Bank 96,850,321 30,787,099 - - - - 127,637,420 Total 148,986,603 165,783,864 154,852,865 217,923,202 76,035,330 124,929,579 888,511,443 Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) 356,140 95,792,043 236,530 14,468,825 2,902,097 2,323,379 116,079,014 Customer deposits (1) 77,834,830 185,158,988 98,821,185 85,233,350 42,786,508 118,628 489,953,489 Marketable debt securities (1) 2,206,218 12,355,853 32,544,969 44,723,451 10,150,295 5,140,089 107,120,875 Debt Instruments Eligible to Compose Capital - 6,786,472 875,575 1,358,736 1,526,828 8,990,007 19,537,618 Other financial liabilities 185,609 35,253,913 3,660,383 23,346,129 87,904 59,166 62,593,104 Short positions - 144,261 3,083,821 4,575,483 5,395,593 8,848,265 22,047,423 Derivatives - 5,076,938 3,131,463 5,366,782 2,975,559 2,148,583 18,699,325 Total 80,582,797 340,568,468 142,353,926 179,072,756 65,824,784 27,628,117 836,030,848 Difference (assets less liabilities) 68,403,806 (174,784,604) 12,498,939 38,850,446 10,210,546 97,301,462 (52,480,595) 2021 Thousand of reais On Up to 3 to 1 to 3 to After 5 Total Assets: Cash 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 11,176,922 2,717,359 1,748,733 10,827,639 15,057 203 26,485,913 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 Balances with the Brazilian Central Bank 69,178,841 15,736,825 - - - - 84,915,666 Total 167,797,988 230,332,201 109,923,459 170,916,639 76,811,449 86,000,736 841,782,472 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 3,935,497 770,492 9,962,122 11,672,615 35,107,790 - 61,448,516 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 100,681,014 194,719,776 113,431,334 241,046,120 133,205,953 4,409,037 787,493,234 Difference (assets less liabilities) 67,116,974 35,612,425 (3,507,875) (70,129,481) (56,394,504) 81,591,699 54,289,238 2020 Thousand of reais On Up to 3 to 1 to 3 to After 5 Total Assets: Cash 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 - 2,777,562 35,728,322 15,155,444 363,135 48,101 54,072,564 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 Balances with the Brazilian Central Bank 58,777,212 57,354,806 - - - - 116,132,018 Total 95,969,084 180,942,971 165,376,503 182,035,130 119,576,048 98,900,945 842,800,681 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) 10,512,445 (120,920,281) (41,183,990) 51,853,948 74,501,441 85,583,549 60,347,112 (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: Schedule of main foreign currency balances Equivalent Value in Thousand of Reais 2022 2021 2020 Assets Liabilities Assets Liabilities Assets Liabilities Cash 10,657,125 - 10,851,016 - 15,835,124 - Financial ssets/liabilities measured at fair value through profit or loss held for trading 5,895,720 5,376,666 2,587,588 21,784,041 27,012,315 7,867,168 Financial assets measured at fair value through other comprehensive income 17,114,102 - 17,102,273 - 17,062,156 - Financial assets/liabilities measured at amortized cost 75,695,229 117,277,231 70,283,097 86,184,330 52,002,476 118,142,613 Total 109,362,176 122,653,897 100,823,974 107,968,371 111,912,070 126,009,781 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: Schedule of future minimum payments of non-cancellable operating leases 2022 2021 2020 Up to 1 Year 284,945 715,576 670,619 Between 1 to 5 Years 1,044,715 1,420,853 1,607,995 More than 5 Years 224,536 181,417 171,420 Total 1,554,196 2,317,846 2,450,034 Additionally, Banco Santander has contracts with an indefinite term, in the amount of R$ 700 801 880 391,408 369,482 358,656 Lease contracts will be readjusted annually, in accordance with current legislation, with the highest percentage in accordance with the General Market Price Index (IGPM) variation. The lessee is assured the right to unilaterally terminate these contracts, at any time, in accordance with contractual clauses and legislation in force. g) Contingent assets On December 31, 2022, 2021 and 2020

Business segment reporting

Business segment reporting	12 Months Ended
	Dec. 31, 2022
Business Segment Reporting
Business segment reporting	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 segment, which includes individuals and companies (except for global corporate clients, which are dealt with in the Global Wholesale Banking segment) and the Global Wholesale Banking segment, which includes Investment Banking and Markets, including treasury departments and equity businesses. 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: Schedule of Income statements and other significant data Thousand of reais 2022 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 45,617,896 1,885,281 47,503,177 Income from equity instruments 11,239 26,834 38,073 Income from companies accounted for by the equity method 147,676 51,503 199,179 Net fee and commission income 12,538,806 2,337,074 14,875,880 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (360,383) 5,059,609 4,699,226 Other operating expense (net) (718,459) (122,543) (841,002) TOTAL INCOME 57,236,775 9,237,758 66,474,533 Personnel expenses (8,985,721) (911,274) (9,896,995) Other administrative expenses (7,571,376) (771,742) (8,343,118) Depreciation and amortization (2,479,643) (105,859) (2,585,502) Provisions (net) (1,207,531) (7,959) (1,215,490) Impairment losses on financial assets (net) (23,682,848) (1,145,901) (24,828,749) Impairment losses on non-financial assets (net) (160,479) (955) (161,434) Other non-financial gains (losses) 131,482 - 131,482 OPERATING PROFIT BEFORE TAX (1) 13,280,659 6,294,068 19,574,727 Currency Hedge (1) (129,406) - (129,406) ADJUSTED OPERATING INCOME BEFORE TAX (1) 13,151,253 6,294,068 19,445,321 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 (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. Schedule of other aggregates 2022 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 886,630,727 98,820,102 985,450,829 Loans and advances to customers 417,773,158 72,856,870 490,630,028 Customer deposits 356,744,926 133,208,563 489,953,489 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

Related party transactions

Related party transactions	12 Months Ended
	Dec. 31, 2022
Related Party Transactions
Related party transactions	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 25, 2022 approved, as recommended by the Remuneration Committee, the proposal for the maximum global remuneration for Management (Board of Directors and Executive Board) for the year 2022, in the amount of up to R$504,550, including fixed, variable and share-based compensation and other benefits. The proposal was the subject of deliberation at the Ordinary General Meeting (AGO) held on April 29, 2022. 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: Schedule of Board of Directors’ and Executive Board’s Thousand of reais 2022 2021 2020 Fixed Compensation 115,680 96,544 90,889 Variable Compensation - in cash 117,730 115,627 83,352 Variable Compensation - in shares 87,702 94,607 81,306 Others (1) 61,294 67,883 47,832 Total Short-Term Benefits 382,406 374,661 303,379 Variable Compensation - in cash 95,398 101,837 98,407 Variable Compensation - in shares 99,827 109,918 97,729 Total Long-Term Benefits 195,225 211,755 196,136 Total (2) 577,631 586,416 499,515 Additionally, in the exercise ended on December 31, 2022 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, in which Banco Santander's capital holds more than 10%; and IV - Legal entities, whose capital they hold more than 10%, any of the directors, members of the Board of Directors and of the Audit Committee or administrators of the financial institution itself, as well as their spouses and respective relatives, up to the second degree. c) Ownership Interest The table below shows the direct interest (common shares and preferred shares) as of December 31, 2022, 2021 and 2020: Schedule of direct interest (common shares and preferred shares) 2022 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. (GES) (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 (*) 4,444 0.1% 4,444 0.1% 8,888 0.1% Others 342,919 9.0% 370,723 10.1% 713,642 9.6% Total 3,787,533 99.2% 3,648,674 99.2% 7,436,207 99.2% Treasury shares 31,162 0.8% 31,162 0.8% 62,324 0.8% Total 3,818,695 100.0% 3,679,836 100.0% 7,498,531 100.0% Free Float (2) 342,919 9.0% 370,723 10.1% 713,642 9.5% 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. (GES) (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% 743,376 9.9% Total 3,802,940 99.6% 3,664,081 99.6% 7,467,021 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% 7,498,531 100.0% Free Float (2) 357,831 9.4% 385,545 10.5% 743,376 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. (GES) (1) 1,627,891 42.6% 1,539,863 41.8% 3,167,754 42.3% Banco Santander, S.A. (1) 2,696 0.07% - 0.0% 2,696 0.04% Employees 2,046 0.05% 2,046 0.06% 4,092 0.05% Administrators (*) 4,034 0.11% 4,034 0.11% 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% (1) Companies of the Santander Spain Group. (2) Composed of Employees and Others. (*) 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 Transactions with Related Parties approved by the Board of Directors, which aims to ensure that all transactions typified in the policy are carried out bearing in mind the interests of Banco Santander and its shareholders. The policy defines powers for approval of certain transactions by the Board of Directors. The established rules are also applied to all employees and managers of Banco Santander and its subsidiaries. Operations and remuneration for services with related parties are carried out in the normal course of business and under commutative conditions, including interest rates, terms and guarantees, and do not involve greater risks than normal collection or other disadvantages. Schedule of Principal transactions and balances - Assets And Liabilities Parent (1) Joint-controlled companies and Other Related Party (2) Key Management Personnel (3) Total 2022 2021 2022 2021 2022 2021 2022 2021 Assets 4,671,501 895,492 24,340,579 32,119,319 25,737 19,776 29,037,817 33,034,587 Derivatives Measured At Fair Value Through Profit Or Loss, Net (3,138,996) (3,043,904) 1,034,184 (73,209) - - (2,104,812) (3,117,113) Loans and other amounts with credit institutions - Availability and Applications in Foreign Currency (Overnight Applications) 7,800,513 3,930,078 21,408,097 27,591,391 - - 29,208,610 31,521,469 Loans and other values with customers - 109 1,795,084 3,550,601 16,380 20,034 1,811,464 3,570,744 Other Assets 9,984 9,209 103,214 1,050,536 - - 113,198 1,059,745 Warranties and Limits - - - - 9,357 (258) 9,357 (258) Liabilities (23,541,990) (25,832,894) (7,953,565) (8,844,861) (263,592) (821,529) (31,759,147) (35,499,284) Deposits from credit institutions (10,167,933) (11,178,490) (6,846,987) (7,866,308) - - (17,014,920) (19,044,798) Securities - - - - (201,054) (128,593) (201,054) (128,593) Customer deposits - - (904,926) (799,435) (31,040) (28,672) (935,966) (828,107) Other Liabilities - Dividends and Interest on Capital Payable - (564,786) - - - - - (564,786) Other Liabilities (201,380) (1,011) (201,652) (179,118) (31,498) (664,264) (434,530) (844,393) Debt Instruments Eligible for Capital (13,172,677) (14,088,607) - - - - (13,172,677) (14,088,607) 2022 2021 2022 2021 2022 2021 2022 2021 Income (1,217,332) (694,221) 1,620,385 1,673,360 18,223 (429,512) 421,276 549,638 Interest and similar income - Loans and amounts due from credit institutions 47,120 5,902 - 69,372 2,388 1,421 49,508 76,695 Warranties and Limits - - - - 37,769 63 37,769 63 Interest expense and similar charges - Customer deposits (111,024) (88,585) (276,809) (20,462) (22,685) (431,539) 410,518 (540,586) Fee and commission income (expense) - - 3,432,090 2,624,519 495 273 3,432,585 2,624,792 Gains (losses) on financial assets and liabilities and exchange differences (net) (88,674) 192,088 (1,011,261) (538,871) 256 270 (1,099,679) (346,502) Administrative expenses and amortization (201,359) (145,463) (523,635) (447,998) - - (724,994) (593,461) Result on disposal of assets not classified as non-current assets held for sale - - - - - - - - Debt Instruments Eligible for Capital (863,395) (658,163) - - - - (863,395) (658,163) Other Administrative expenses - Donation - - - 13,200 - - - (13,200) (1) Parent company - Banco Santander is controlled by Banco Santander Espanha (Note 1a), through its subsidiaries GES and Sterrebeeck B.V. (2) Companies listed in note 11. (3) Refers to the recording in clearing accounts of Guarantees and Limits of credit operations with Key Management Personnel.

Risk management

Risk management	12 Months Ended
	Dec. 31, 2022
Risk Management
Risk management	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 scorings 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) 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 taking into account 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 take into account 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 taken into account 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. Schedule of portfolio by internal risk rating levels and its probability of default Thousand of reais 2022 2021 2020 By maturity Less than 1 Year 269,784,211 270,050,934 219,062,744 Between 1 and 5 years 177,488,141 160,932,317 147,013,817 More than 5 years 77,382,938 62,371,451 51,745,465 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 By internal classification of risk Low 392,397,296 374,505,212 347,315,357 Medium-low 77,992,749 79,216,725 24,277,404 Medium 18,647,136 14,589,977 26,231,871 Medium-High 13,573,901 9,413,110 3,896,457 High 22,044,208 15,629,678 16,100,937 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 Expected credit losses, measured using sufficient and available historical data, are presented below. Schedule of expected credit losses, measured using sufficient and available historical data 2022 Probability of default Default loss Exposure Commercial and industrial 223,321,961 6% 41% Real Estate Credit - construction 58,242,768 5% 5% Individual loans 240,227,475 12% 49% Leasing 2,863,086 1% 26% 2021 Probability of default Default loss Exposure Commercial and industrial 247,674,251 6% 50% Real Estate Credit - construction 54,738,607 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% b.3) 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.4) 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, taking into account 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.5) 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.6) 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 the portfolio as a whole. Credit risk from financial market operations This heading includes the credit risk arising in treasury operations with clients, mainly credit institutions. These operations are performed both via money market financing products with different financial institutions and via derivative instruments arranged for the purpose of serving our clients. Risk control is performed using an integrated, real-time system that enables the Bank to know at any time the unused exposure limit with respect to any counterparty, any product and maturity and at any Bank unit. Credit risk is measured at its current market value and its potential value (exposure value considering the future variation in the underlying market factors). Therefore, the equivalent credit risk (CRE) is defined as the sum of net replacement value plus the maximum potential value of the contracts in the future. Environmental risk The Banco Santander's Social and Environmental Responsibility Policy (PRSA), which follows the guidelines of CMN Resolution 4,945/2021 and the SARB Regulation Nº. 14 of Febraban, establishes guidelines and consolidates specific policies for socio-environmental practices in business and in relationships with stakeholders. These practices include the management of socio-environmental risks, impacts and opportunities related to topics such as adequacy in credit granting and use, supplier management and socio-environmental risk analysis, which is carried out through the analysis of clients' socio-environmental practices. and Varejo, of the Corporate segment 3 (one of the Corporate Retail segments of the Bank), which have limits or credit risk above R$ 5 million and which are part of the 14 socio-environmental care sectors. In this case, the socio-environmental risk is analyzed in order to mitigate the issues of operational risk, capital risk, credit risk and reputational risk. Since 2009, Santander has been a signatory to the Equator Principles and this set of guidelines is used to mitigate socio-environmental risks in the financing of large projects. Mitigation of social and environmental risks in financing large projects is carried out based on analyzes based on the guidelines of the Equator Principles, a set of social and environmental criteria referenced in the International Finance Corporation's (IFC) Performance Standards on Social and Environmental Sustainability and in the Environmental Guidelines , Health and Safety of the World Bank Group. The commitments assumed in the PRSA are detailed in other Bank policies, such as the Anti-Corruption Policy, Supplier Relationships and Homologation Policies and Social and Environmental Risk Policies, as well as the Private Social Investment Policy, which aims to guide the strategy in this area. and to present guidelines for social programs that strengthen this strategy. b.7) Credit Management - Main changes The trends observed in 2022 were consistent with those of 2021, in which we observed a challenging economic scenario. The Bank managed to preserve the good quality of business, with a worsening in the default rate, mainly due to a specific customer in the Wholesale segment going into default. In December 2022, this index was 7.5 5.46 5.55 Below is a table showing the evolution of the main credit indicators. Schedule of evolution of the main credit indicators 2022 2021 2020 Credit risk exposure - customers (Thousand of Reais) 582,034,247 546,775,057 466,104,042 Loans and advances to customers, gross (note 9) 524,655,290 493,354,702 417,822,026 Contingent Liabilities - Guarantees and other sureties (note 43.a) 57,378,957 47,517,931 53,420,355 Non-performing loans ratio (%) - unaudited 7.50% 5.46% 5.55% Impairment coverage ratio (%) - unaudited 89.80% 110.40% 110.64% Specific credit loss provisions, net of RAWO (*) (Thousand of Reais) - unaudited 35,211,623 29,723,376 25,640,488 Cost of credit (% of risk) - unaudited 4.79% 3.73% 4.35% Data prepared on the basis of management criteria and the accounting criteria of the controller unit. (*) RAWO = Recoveries of Assets Derecognized. The Bank incorporates information about the future both in its assessment if the credit risk of an instrument has increased substantially since the initial recognition and in its measurement of the expected credit losses. Based on guidance from its internal committees and economic experts and considering a range of actual and anticipated external information, the Bank develops a base scenario as well as other possible scenarios. This process involves the projection of two or more additional economic scenarios and considers the respective probabilities of each result. External information includes economic data and forecasts published by government agencies and monetary authorities and selected private sector analysts and academics. The base case represents the most likely result and is in line with the information used by the Bank for other purposes, such as strategic planning and budgeting. The other scenarios represent more optimistic and pessimistic results. Periodically, the Bank conducts more extreme stress tests to adjust its determination of these other representative scenarios. Market risk is the exposure to risks such as interest rates, exchange rates, prices of goods, prices in the stock market and others values, according to the type of product, volume of operations, term and conditions of the agreement and underlying volatility. The Bank operates according to global policies, within the Group’s risk tolerance level, aligned with the objectives in Brazil and in the world. With this purpose, it has developed its own Risk Management model, according to the following principles: · Functional independence; · Executive capacity sustained by knowledge and proximity with the client; · Global reach of the function (different types of risks); · Collective decision-making, that evaluates a variety of possible scenarios and do not compromise the results with individual decision (including Brazil Executive Risk Committee - Comitê Executivo de Riscos Brasil). This Comitee delimits and approves the operations. The Asset and Liabilities Committee, which responds for the capital management and structural risks, including country-risk, liquidity and interest rates. · Management and improvement of the equation risk/return; and · Advanced methodologies for risk management, such as Value at Risk – VaR (historical simulation of 521 days with a confidence level of 99% and time horizon of one day), scenarios, financial margin sensibility, equity value and contingency plan. The Market Risks structure is part of the Vice Presidency of Credit and Market Risks, an independent area that applies risk policies taking into consideration the guidelines of the Board of Directors and the Risks Division of Santander in Spain. c.1) Activities subject to market risk The measurement, control and monitoring of the market risk area comprises all operations in which net worth risk is assumed. This risk arises from changes in the risk factors –interest rate, exchange rate, equities, commodity prices and the volatility thereof– and from the solvency and liquidity risk of the various products and markets in which the Bank operates. The activities are segmented by risk type as follows: I. Trading: this item includes financial services for clients, trading operations and positioning mainly in fixed-income, equity , foreign currency products and shares. II. Balance sheets management: A risk management assessment aims to give stability to interest income from the commercial and economic value of the Bank, maintaining adequate levels of liquidity and solvency. The risk is measured by the balance sheets exposure to movements in interest rates and level of liquidity. III. Structural risks: · Structural foreign currency risk/hedges of results: foreign currency risk arising from the currency in which investments in consolidable and non-consolidable companies are made (structural exchange rate). This item also includes the positions taken to hedge the foreign currency risk on future results generated in currencies other than the Real (hedges of results). · Structural equities risk: this item includes equity investments in non-consolidated financial and non-financial companies that give rise to equities risk. The Financial Management area is responsible for the balance sheet management risk and structural risks through the application of uniform methodologies adapted to the situation of each market in which the Bank operates. Thus, in the convertible currencies area, Financial Management directly manages the Parent's risks and coordinates the management of the other units operating in these currencies. Decisions affecting the management of these risks are taken through the ALCO (Asset Liability Control committees) in the respective countries. The Financial Management goal is to ensure the stability and recurring nature of both the net interest margin of the commercial activity and the Bank’s economic value, whilst maintaining adequate liquidity and solvency levels. Each of these activities is measured and analyzed using different tools in order to reflect their risk profiles as accurately as possible. Interest rate Risk The following table aggregates by product the cash flows of the operations of our perimeter of companies that have interest income. The transactions are presented by the book balance at the closing date of the years 2022, 2021 and 2020. It is not associated with the risk management of changes in interest rates or indexer mismatches, which is done by monitoring metrics of Marketplace. However, it allows to evaluate the concentrations of term and possible risks and below it, the balances of the same products are presented at the redemption value at maturity, except for the line dealing with receivables and obligations linked to derivative contracts. Schedule of aggregates by product the cash flows of the operations of our perimeter of companies 2022 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 - - - - 3,957 3,957 Debt instruments - - - - 3,957 3,957 Financial assets measured at fair value in profit or loss for trading 5,032 5,565 3,054 26,272 25,998 65,921 Debt instruments 311 3,909 2,159 16,270 22,222 44,871 Equity instruments 19 2 3 25 - 49 Derivatives 4,702 1,654 892 9,977 3,776 21,001 Financial assets measured at fair value in other comprehensive income 37,965 4,045 1,579 39,131 22,466 105,186 Debt instruments 37,965 4,045 1,579 39,131 22,466 105,186 Financial Assets Measured at Amortized Cost 137,112 145,444 91,

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2022
Subsequent Events
Subsequent Events	Subsequent Events Deliberation of Interest on Equity The Board of Directors, in a meeting held on January 19, 2023, approved the proposal of the Executive Board, ad referendum of the Ordinary General Meeting to be held until April 30, 2023, for the distribution of Interest on Equity, in the amount of R$ 1,700,000,000 Increase in Provision in accordance with Risk Level Reassessment The Consolidated Financial Statements consider an event subsequent to the date of the report related to a specific case of a large company that entered into judicial recovery, whose credit conditions existed on December 31, 2022. In this sense, there was an increase in the provision, in accordance with reassessing your risk level

RECONCILIATION OF STOCKHOLDERS_

RECONCILIATION OF STOCKHOLDERS’ EQUITY AND NET INCOME - BRGAAP vs IFRS	12 Months Ended
	Dec. 31, 2022
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: Schedule of conciliation of stockholders' equity and net income attributed to the parent between standards adopted in Brazil (BRGAAP) and IFRS Thousand of Reais Note 2022 2021 2020 Stockholders' equity attributed under to the Parent Brazilian GAAP 82,061,915 78,739,563 78,968,183 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss h (54,801) (103,386) (882) Reclassification of fair value through other comprehensive income i (33) 182,094 (522,107) Impairment of financial assets measured at amortized cost a (816,600) (1,468,494) (635,194) Remensurations, Debt instruments, due to reclassifications IFRS 9 - - 907 Category transfers - IFRS 9 b (219,671) (141,260) 357,972 Deferral of financial fees, commissions and inherent costs under effective interest rate method c 1,493,810 1,549,438 1,324,853 Reversal of goodwill amortization d 27,136,573 26,709,187 27,527,699 Realization on purchase price adjustments e 594,784 603,544 615,953 Option for Acquisition of Equity Instrument f (798,016) (763,988) (1,744,336) Santander Serviços goodwill (Santusa) g (298,978) (179,387) (209,285) Reversal of Provision PIS Law 9,718 j 980,212 - - Others 103,640 512,835 93,224 Stockholders' equity attributed to the parent under IFRS 110,182,834 105,640,146 105,776,987 Non-controlling interest under IFRS 497,342 334,349 312,885 Stockholders' equity (including non-controlling interest) under IFRS 110,680,176 105,974,495 106,089,872 Thousand of Reais Note 2022 2021 2020 Net income attributed to the Parent under Brazilian GAAP 12,570,191 14,987,716 13,469,380 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss h (9,826) (83,995) (27,428) Reclassification of fair value through other comprehensive income i (177,887) 45,826 68,960 Impairment of financial assets measured at amortized cost a 805,578 (1,028,937) (498,778) Remensurations, Debt instruments, due to reclassifications IFRS 9 - - 907 Category transfers - IFRS 9 b 14,722 126,520 (78,057) Deferral of financial fees, commissions and inherent costs under effective interest rate method c (90,260) 215,525 185,478 Reversal of goodwill amortization d 96,162 29,658 145,903 Realization on purchase price adjustments e (8,760) (17,758) (5,348) Option to Acquire Own Equity Instrument f 184,810 1,180,949 318,929 Santander Serviços goodwill (Santusa) g - 29,898 29,898 Tax credit with realization over 10 years - - (184,005) Reversal of Provision PIS Law 9,718 j 980,212 - - Others (77,849) 42,648 (7,311) Net income attributed to the parent under IFRS 14,287,093 15,528,051 13,418,528 Non-controlling interest under IFRS 52,382 31,272 32,224 Net income (including non-controlling interest) under IFRS 14,339,475 15,559,323 13,450,752 a) Impairment on loans and receivables and financial assets measured at amortized cost: Refers to the adjustment resulting from the estimated expected loss on the portfolio of assets subject to impairment, loan commitments to be released and financial guarantee contracts, determined based on the criteria described in the note on accounting practice and compliance with the provided for by IFRS 9 (in 2017, it refers to the adjustment resulting from the estimated loss incurred in accordance with IAS 39, then current regulations). 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 the scope of the basis for calculating these losses, which for IFRS purposes considers other assets in addition to those provided for 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) 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. g) 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 acquision cost and the equity amount of the shares. h) 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. i) 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 this 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. j) Reversal of Provision PIS Law 9718 In December 2022, the adjustment refers to the reversal of the provision related to the PIS process (Law 9,718), described in explanatory note 22 c.1, This adjustment stems from Circular Letter No. 3,429/2010, which establishes different rules for BRGAAP purposes for the accounting record of tax obligations under legal discussion. The amount of the adjustment comprises R$160,806 of taxes and R$819,406 of interest and similar income, resulting in a net effect of R$980,212.

STATEMENTS OF VALUE ADDED

STATEMENTS OF VALUE ADDED	12 Months Ended
	Dec. 31, 2022
Statements Of Value Added
STATEMENTS OF VALUE ADDED	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. Schedule of statements of value added is not required under IFRS 2022 2021 2020 Thousand of Reais Interest and similar income 115,225,118 77,987,308 62,774,940 Net fee and commission income 14,875,880 15,273,301 16,228,214 Impairment losses on financial assets (net) (24,828,749) (17,112,734) (17,450,188) Other income and expense 2,174,855 (3,843,999) (5,012,403) Interest expense and similar charges (67,721,941) (28,885,478) (18,332,228) Third-party input (8,207,227) (8,078,399) (7,946,539) Materials, energy and others (895,734) (713,400) (641,831) Third-party services (6,317,067) (6,231,129) (6,424,755) Impairment of assets (161,434) (165,799) (84,908) Other (832,992) (968,071) (795,045) Gross added value 31,517,936 35,339,999 30,261,796 Retention Depreciation and amortization (2,585,502) (2,433,921) (2,579,127) Added value produced 28,932,434 32,906,078 27,682,669 Investments in affiliates and subsidiaries 199,179 144,184 112,261 Added value to distribute 29,131,613 33,050,262 27,794,930 Added value distribution Employee 9,894,413 34.0% 8,045,893 24.3% 7,943,711 28.6% Compensation 6,351,116 5,929,439 5,749,669 Benefits 1,737,282 1,593,386 1,514,611 Government severance indemnity funds for employees - FGTS 2,221 431,249 448,457 Other 1,803,794 91,819 230,974 Taxes 4,749,350 16.3% 9,269,368 28.0% 6,298,717 22.7% Federal 4,625,498 8,332,994 10,088,318 State 123,852 813 (830,771) Municipal - 935,561 (2,958,830) Compensation of third-party capital - rental 148,375 0.5% 175,677 0.5% 101,749 0.4% Remuneration of interest on capital 14,339,475 49.2% 15,559,324 47.2% 13,450,753 48.4% Dividends and interest on capital 8,100,000 9,649,000 3,837,085 Profit Reinvestment 6,187,093 5,879,052 9,581,444 Profit (loss) attributable to non-controlling interests 52,382 31,272 32,224 Total 29,131,613 100.0% 33,050,262 100.0% 27,794,930 100.0%

Accounting policies and metho_2

Accounting policies and method of measurement (Policies)	12 Months Ended
	Dec. 31, 2022
Accounting Policies And Method Of Measurement
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 subsidiary, the gain or loss is recognized in the statement of income and is calculated as the difference between: (i) the sum of the fair value of considerations received and the fair value of the residual interest; and (ii) the past balance of assets (including goodwill) and liabilities of the subsidiary and non-controlling interests, if any. All amounts previously recognized in “Other comprehensive income” related to the subsidiary are accounted for as if the Bank had directly disposed of the corresponding assets or liabilities of the subsidiary (i.e., reclassified to profit or loss or transferred to another equity account, as required or permitted by applicable IFRSs). The fair value of any investment held in the former subsidiary on the 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, the cost 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 2022, 2021 and 2020. 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 in the different categories used for management and measurement purposes, except when their presentation is mandatory as "Non-current assets held for sale or if they refer to "Cash and reserves at the Central Bank of Brazil", "Derivatives used as a hedge” and “Investments in associates”, which are accounted for 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 in Other Comprehensive Income: Results arising from changes in fair value are recognized in the item adjustment to market value in shareholders' equity, with the exception of impairment losses, which are recognized in profit or loss. When the financial asset is disposed of or shows signs of a decline in fair value due to non-recovery, the income previously accumulated in the account for 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 in the following headings of the consolidated balance sheet: • Cash and reserves at the Central Bank of Brazil”: cash balances and demand credit balances referring to deposits at Bacen. • 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, with the nature of equity instruments for the issuer, except investments in subsidiaries, jointly controlled entities or affiliates. Unconsolidated investment fund shares are included under this heading. • Trading derivatives: includes the fair value in favor of the Bank of derivatives which do not form part of hedge accounting. • Derivatives used as a hedge: includes the fair value in favor of the Bank of the derivatives designated as hedging instruments (hedge). • 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: 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: 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 in the following headings of the consolidated balance sheet: • “Central Bank of Brazil deposits”: deposits of any nature received from Bacen. • “Deposits from credit institutions”: deposits of any nature, including obligations for loans and onlending and open market funding, received from credit institutions. • “Customer deposits”: includes deposits of any nature, such as demand, savings and time deposits, including open market transactions received from customers. • “Obligations on marketable securities”: includes the value of bonds and other debts represented by negotiable securities, except for subordinated liabilities. • “Derivatives”: includes the fair value with the Bank's negative balance of derivatives that are not part of hedge accounting. • “Short positions”: includes the value of financial liabilities resulting from the direct sale of financial assets purchased through resale or borrowed commitments. • “Subordinated debts”: value of financing received which, for the purposes of payment priority, are below ordinary debts. This category also includes financial instruments issued by the Bank that, although constituting shares for legal purposes, do not meet the requirements for classification as shares. • “Other financial liabilities”: includes the value of payment obligations of the nature of financial liabilities not included in other headings and liabilities subject to financial guarantee contracts, unless classified as doubtful. • “Derivatives used as a hedge: includes the fair value of the Bank's liabilities related to derivatives designated as hedging instruments (hedge). • “Equity instruments”: financial instruments issued by other entities, such as shares, with the nature of equity instruments for the issuer, except investments in subsidiaries, joint ventures or affiliates.
Funding, debt notes issued and other liabilities	d) Funding, debt notes issued and other liabilities Fundraising instruments are initially recognized at fair value, which is basically considered to be the transaction price. They are subsequently measured at amortized cost (accrual) with the associated expenses recognized as a finance cost. Among the criteria for initial recognition of liabilities, mention should be made of those instruments of a compound nature, which are classified as such, given the existence of a debt instrument (liability) and an embedded equity component (derivative). The registration of a compound instrument consists of the conjugation of (i) a main instrument, which is recognized as a genuine liability of the entity (debt) and (ii) an equity component (convertibility derivative into common shares). The issuance of “Notes” must be registered in a specific liability account and updated according to the agreed rates and adjusted for the effect of exchange variation, 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 denominated) must be accounted for as expenses for the period, obeying the accrual basis. Details on the issuance of these debt instruments eligible for capital are described in 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 deducting estimated transaction costs that would eventually be incurred upon disposal, except for financial assets measured at amortized cost, investments held to maturity, equity instruments whose fair value cannot be determined in a sufficiently objective manner and financial derivatives whose object is equity instruments of this type and which are settled upon delivery of these instruments. The “fair value” of a financial instrument at a given date is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it in an active, transparent and meaningful market (“quoted price” or “market price”). If there is no market price for a given financial instrument, its fair value is estimated based on valuation techniques normally adopted by the international financial community, taking into account the specific characteristics of the instrument to be measured and, above all, the different types of risks associated with it. All derivatives are recognized in the balance sheet at fair value from the trade date. When the fair value is positive, they are recognized as assets; when negative, as liabilities. Changes in the fair value of derivatives since the trade date are recognized under “Gains (losses) on financial assets and liabilities” in the consolidated statement of income. Specifically, the fair value of standard financial derivatives included in portfolios of financial assets or liabilities measured at fair value through profit or loss is considered equivalent to their daily quoted price; if, for exceptional reasons, it is not possible to determine the quoted price on a specific date, these derivatives are measured using methods similar to those used to measure derivatives traded on the over-the-counter market. The fair value of derivatives traded on the over-the-counter market is considered equivalent to the sum of future cash flows resulting from the instrument, discounted to present value on the measurement date ("present value" or "theoretical closing"), adopting valuation techniques commonly adopted by financial markets: Net Present Value - NPV, option pricing models and other methods. “Financial assets measured at amortized cost” and “Investments held to maturity” are measured at amortized cost, using the effective interest rate method. “Amortized cost” is the acquisition cost of a financial asset or liability, plus or minus, as the case may be, principal payments and the accumulated amortization (included in the income statement) of the difference between the initial cost and the carrying amount. maturity. In the case of financial assets, the amortized cost also includes any reductions due to non-recovery or impossibility of collection. In the case of financial assets measured at amortized cost that are hedged in fair value hedges, changes in the fair value of these assets related to the risk(s) that are hedged are recognized. The “Effective interest rate” is the discount rate that corresponds exactly to the initial value of the financial instrument in relation to the totality of its estimated cash flows, of all kinds, throughout its remaining useful life. In the case of fixed income financial instruments, the effective interest rate coincides with the contractual interest rate defined on the contracting date, plus, as the case may be, commissions and transaction costs that, by their nature, are part of their financial feedback. In the case of variable income financial instruments, the effective interest rate coincides with the rate of return in effect on all commitments up to the next reference date for interest renewal. Equity instruments whose fair value cannot be determined objectively enough are measured at acquisition cost, adjusted, as the case may be, for related impairment losses. The amounts at which financial assets are recognized represent, in all material respects, the Bank's maximum exposure to credit risk on the date of each of the financial statements. In addition, the Bank received guarantees and other credit enhancements to mitigate its exposure to credit risk, which mainly comprise mortgages, cash collateral, equity instruments, sureties, assets leased under leasing and lease agreements, assets acquired under commitments repurchase agreements, securities lending and derivatives. ii. Measurement of financial liabilities In general, financial liabilities are measured at amortized cost, as previously defined, except for those included in the headings "Financial liabilities measured at fair value through profit or loss" and "Other financial liabilities measured at fair value through profit or loss" and financial liabilities designated as subject hedges (or hedging instruments) into 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, 2022, 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 benefits related to the transferred assets are transferred to third parties: If the Bank substantially transfers all risks and rewards to third parties, unconditional sale of financial assets, sale of financial assets based on an agreement that provides for their repurchase at fair value on the repurchase date, sale of financial assets with an option purchase a call or a put sale that is significantly off-priced, asset securitizations in which the transferor does not retain a subordinated debt or grant a credit enhancement to new holders, and other similar events, the transferred financial asset is written off and any rights or obligations retained or created in the transfer are recognized simultaneously. If the Bank retains substantially all the risks and rewards associated with the transferred financial asset, sale of financial assets based on an agreement that provides for their repurchase at a fixed price or at the sale price plus interest, a securities loan agreement in which the borrower undertakes to return the same or similar assets and other similar hypotheses, the transferred financial asset is not written off and continues to be measured using the same criteria used before the transfer. However, the following items are recognized: A corresponding financial liability, for an amount equal to the consideration received; this liability is subsequently measured at amortized cost. The income from the transferred financial asset not derecognized and any expense incurred on the new financial liability. If the Bank does not transfer or retain 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 significantly out of price, securitization of assets in which the transferor retains subordinated debt or other type of credit enhancement in respect of a portion of the transferred asset and other similar assumptions - the following distinction is made: If the transferor does not retain control of the transferred financial asset, the asset is derecognized and any rights or obligations retained or created on the transfer are recognized. If the transferor retains control, it continues to recognize the transferred financial asset at an amount equivalent 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 related liability is the amortized cost of the retained rights and obligations, if the transferred asset is measured at amortized cost, or the fair value of the retained rights and obligations, 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 assets and liabilities are offset, i.e., recorded in the balance sheet at their net amount, only if the Bank and its subsidiaries currently have a legally enforceable right to offset the recognized amounts and intend to settle on a net basis, or realize the asset and settle the passive simultaneously. Obligation Clearing and Settlement Agreements – IFRS 07 – Derivative Instruments (Disclosure) - Banco Santander has an obligation clearing and settlement agreement within the scope of the National Financial System (SFN), entered with individuals and legal entities that are or are not part of the SFN, resulting in greater guarantee of financial settlement, with the parties that have this type of agreement. These agreements establish that payment obligations to Banco Santander arising from credit operations and derivatives, in the event of default by the counterparty, will be offset against Banco Santander's payment obligations together with the counterparty. The following table provides details of financial assets and liabilities subject to offsetting as of December 31, 2022, 2021 and 2020: Schedule of financial assets and liabilities subject to offsetting Thousand of reais 2022 Financial assets, gross Financial assets Financial assets Assets: Derivatives 22,433,990 (458,166) 21,975,824 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 19,157,491 (458,166) 18,699,325 Thousand of reais 2021 Financial assets, gross Financial assets Financial assets Assets: Derivatives 21,575,848 (435,925) 21,139,923 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 25,054,906 (435,925) 24,618,981 Thousand of reais 2020 Financial assets, gross Financial assets Financial assets Assets: Derivatives 26,808,180 (560,666) 26,247,514 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 29,917,498 (560,666) 29,356,832
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, whenever the above events are observed, the carrying amount of impaired financial assets is adjusted by recording a provision for impairment charge to the expense as “Losses on financial assets (net)” in the consolidated statement of income. The reversal of previously recorded losses is recognized in the consolidated statement of income in the period in which the impairment decreases and can be objectively related to a recovery event. 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, through its risk area, applies policies, methods and procedures to mitigate its exposure to credit risk arising from insolvency attributable 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. With regard to the provision for losses due to the impairment of credit risk, the Bank assesses all loans. Loans are individually assessed for impairment or jointly assessed for impairment. Loans accounted for at amortized cost, which are not assessed individually for impairment, are jointly assessed for impairment, being grouped considering the similarity of risk. Loans individually assessed for impairment are not included in balances assessed together for impairment. To individually measure the impairment loss of loans assessed for impairment, the Bank considers the borrower's conditions, such as its economic and financial situation, level of indebtedness, capacity to generate income, cash flow, management, 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 liquidity level guarantees and total credit value , and also based on historical impairment experience and other circumstances known at the time of valuation. To measure the impairment loss of loans assessed collectively for impairment, the Bank separates financial assets into groups taking into account the characteristics and similarities of credit risk, that is, according to segment, type of assets, guarantees and other factors associated with historical impairment experience and other circumstances known at the time of the valuation. In some cases, the observable inputs needed 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, the entity uses its judgmental experience to estimate the amount of any impairment loss. Similarly, the entity uses its judgmental experience to adjust the 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 to Default or “EAD - Exposure at Default” is the amount of risk exposure on the date of default by the borrower. The default time is considered in the “PD - Probability of Default” 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 - Probability of Default”, is the probability that the borrower will not meet its principal and/or interest payment obligations. PD is measured using a one-year time horizon, in the case of stage 1 operations, as well as the asset's lifetime (stages 2 and 3); that is, it quantifies the probability that the borrower will default. The loan will be considered in default if the principal or interest is overdue for ninety days or more or the loan is outstanding but there are doubts as to the creditworthiness of the counterparty (subjective doubtful assets). • Loss due to default, or “LGD - Loss Given at Default”, is the loss arising in the event of default. The LGD calculation is based on the net write-offs of nonperforming loans, taking into account the collateral associated with the loans, the income and expenses associated with the recovery process, and also the time 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 writing off overdue loans (which is done only after the Bank has exhausted all recovery efforts and after approximately 360 days of delay), full provision is made for the remaining outstanding amount of the loan so that the provision for loan losses fully cover the losses. Therefore, the Bank understands that its loan loss allowance methodology was developed in order to correspond to its risk metric and capture loans that could potentially present impairment. 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 In addition, prior to writing off overdue loans (which is done only after the Bank has exhausted all recovery efforts and after approximately 360 days of delay), full provision is made for the remaining outstanding amount of the loan so that the provision for loan losses fully cover the losses. Therefore, the Bank understands that its loan loss allowance methodology was developed in order to correspond to its risk metric and capture loans that could potentially present impairment. Differences between the purchase and sale prices are recognized as interest over the duration of the contract.
Accounting for leases – IFRS 16	j) Accounting for leases – IFRS 16 I. Lease Identification Upon adoption of IFRS 16, the Bank recognizes lease liabilities, following the principles of IFRS 16 - Leases. The following recognition exemptions are also being used: Accounting for leases with a remaining term of less than 12 months as short-term leases; Accounting for leases whose underlying asset is of low value. The Bank leases various properties and equipment. Predominantly, the assets object of the leasing agreements are real estate 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 formalized, analyzed and renegotiated individually and contain a wide range of different terms and conditions. The Bank assesses the term of the contract, as well as the intention to stay in the properties. Thus, the estimated terms may vary according to contractual conditions, considering extension options and legal provisions. The Bank assumes that contractual termination fines charged before the due date do not make up a significant portion. The leasing agreements do not contain restrictive clauses, but the 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 registered is measured at its cost against the lease liability that represents the present value of the lease payments that are not made to date. Lease payments are discounted using the lessee's incremental borrowing interest rate. There are no onerous contracts that required an adjustment to use rights to be recorded as assets on the date of initial 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 restated for inflation (IGP-M), whose estimated projections on the base date of December 31, 2022 are presented below: Schedule of restated for inflation (IGP-M), whose estimated projections IGP-M Projection (annual) Until 3 months 0.94% From 3 to 12 months 4.0% From 1 to 3 years 3.0% From 3 to 5 years 3.0% More than 5 years 3.0% 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. Use rights are subject to an impairment test.
Non-current assets held for sale	k) Non-current assets held for sale Non-current assets held for sale include the carrying amount of individual items, or groups of disposals or items that form part of a business unit intended for disposal (“Discontinued operations”), the sale of which in their current condition is highly probable and the occurrence of which is expected within a year. Real estate or other non-current assets received by the consolidated entities in full or partial settlement of their debtors' payment obligations are considered as non-current assets intended for sale through the execution of auctions in which normally occur within one year. Non-current assets held for sale are measured at the lower of fair value less cost to sell and book value on the date they are classified in this category. These assets are not depreciated. Impairment losses on an asset or disposal group as a result of a decrease in its carrying amount to fair value (less costs to sell) are recognized in “Results on disposal and expenses on non-current assets held for sale not classified as discontinued operations” in the consolidated income statement. Gains on a non-current asset held for sale arising from subsequent increases in fair value (less costs to sell) increase its carrying amount and are recognized in the consolidated statement of income up to an amount equal to the impairment losses previously recognized.
Residual maturity periods and average interest rates	I) Residual maturity periods and average interest rates The analysis of the maturities of the balances of certain items in the consolidated balance sheets at the end of the years 2022, 2021 and 2020 is informed in note 43-d.
Tangible assets	m) Tangible assets Tangible assets include the value of buildings, land, furniture, vehicles, computer equipment (hardware) and other utensils owned by the Bank, including tangible assets received by the Bank in total or partial settlement of financial assets representing accounts receivable from third parties, intended to be held for continuous use, and tangible assets acquired based on finance leases, being presented at acquisition cost less the respective accumulated depreciation and any impairment losses (net book value greater than the recoverable value). Depreciation is calculated using the straight-line method, based on the acquisition cost of the assets less their residual value. The land on which the buildings and other structures are located has an indefinite useful life and, therefore, is not depreciated. The depreciation expense of tangible assets Schedule of estimated average years of useful life of the different assets Annual Buildings for own use 4% Furniture 10% Fixtures 10% Office and IT equipment 20% Leasehold improvements 4% or up to contractual maturity At the end of each period, the Bank assesses whether there is any indication that the items of tangible assets may present a loss in their recoverable value, that is, an asset that presents a book value above the realizable value, whether due to use or sale. Once a reduction in the recoverable value of the tangible asset is identified, it is adjusted until it reaches its realizable value through the accounting recognition of a loss due to the reduction in its recoverable value recorded in "Losses with other assets (net)". Additionally, the depreciation value of said asset is recalculated in order to adjust the useful life value of the asset. In case of evidence or indication of recovery of the value of a tangible asset, the Bank recognizes the reversal of the non-recovery loss recorded in previous periods and must adjust future depreciation expenses according to the useful life value of the asset. Under no circumstances may the reversal of an impairment loss on an asset increase its carrying amount above the amount it would have if no impairment losses had been recognized in prior years. Conservation and maintenance expenses relating to property, plant and equipment for own use are recognized as expenses 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 It is an identifiable non-monetary asset without physical substance. It basically results from software development, as well as the acquisition of rights that are capable of generating economic benefits for the Bank. They may have a definite or indefinite term characteristic. Other intangible assets are considered to have an indefinite useful life when, based on an analysis of all relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate cash inflows for the Bank, or a finite useful life, in all other cases. Intangible assets with an indefinite useful life are not amortized: at the end of each period the entity reviews the classification as indefinite useful life, maintaining this classification they are subject to annual impairment tests (IAS36). Intangible assets with a defined useful life are amortized over that useful life using methods similar to those used to depreciate tangible assets. Amortization expense is recognized under “Depreciation and amortization” in the consolidated income statement. At the end of each period, the Bank assesses whether there is any indication that the items of intangible assets may present a loss in their recoverable value, that is, an asset that presents a book value above the realizable value. Identifying any reduction in the recoverable value, this is adjusted until it reaches its realization value. The measurement of the recoverable value of other intangible assets - software is carried out based on the value in use, as well as the analysis of the discontinuity of the asset in relation to the Bank's activities. Software acquisition and development expenses are amortized over a maximum period of 5 years.
Other assets	o) Other assets Includes the balance of all advances and accrued revenues (excluding accrued interest), acquired customer relationships, the net amount of the difference between pension plan obligations and the amount of plan assets with a balance in favor of the entity, if the net amount must be disclosed in the consolidated balance sheet, and the value of any other amounts and assets not included in other items. The Bank uses the value in use of customer relationships as a basis for measuring the recoverable amount, since it is not reasonably possible to determine the net sales value, as there is no basis for making a reliable estimate of the amount to be obtained from the sale. of the asset in a transaction on an arm's length basis, between knowledgeable and interested parties. The value in use of customer relationships acquired in connection with the purchase of “payrolls” is determined on an individual basis. An analysis is prepared by the business areas with the objective of demonstrating the expected generation of future economic benefits and the present value of the expected cash flows. Quarterly, these analyzes are reviewed based on the actual cash flows of each business (value in use), which are compared with the book value, verifying whether or not there is a need to record impairment losses.
Liabilities for insurance contracts	p) Liabilities for insurance contracts Liabilities for insurance contracts are substantially composed of mathematical provisions for benefits to be granted and granted (PMBaC and PMBC). Insurance contracts are contracts where the Bank accepts a significant risk, other than financial risk, of an insured person accepting to compensate the beneficiary in the occurrence of uncertain future events where he will be adversely affected. Insurance liabilities are recognized when the contract is registered and the premium is collected. Contracts that are classified as insurance are not subsequently reclassified. The liability is written off when the contract expires or is cancelled. All valuation methods used by the subsidiary are based on the general principles that the carrying amount of the net liability needs to be sufficient to meet any foreseeable obligation resulting from insurance contracts. Investment assumptions are also determined by the local regulatory body and based on Management's future expectations. In the latter case, the anticipated return on future investment is defined by Management considering available market information and economic indicators. A significant assumption related to estimating gross profit on variable annuities is the long-term annual growth rate of the underlying assets. Tests are performed to verify whether the mathematical provisions are adequate for each exercise. In the years ended December 31, 2022, 2021 and 2020, as determined by IFRS 4 - Classification of Contracts and subsequent amendments, the adequacy of technical provisions constituted was assessed using the Liability Adequacy Test (TAP). On December 31, 2022, TAP indicated the need to set up additional technical provisions of R$ 131,831 209,277 285,554
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 parties to judicial and administrative proceedings of a tax, labor and civil nature, arising from the normal course of their activities. Provisions are reassessed at each balance sheet date to reflect the best current estimate and may be wholly or partially reversed or reduced when the outflow of funds and obligations related to the process is no longer likely, including the expiration of legal terms, the final and unappealable decision processes, among others. Judicial and administrative provisions are constituted when the risk of loss in the judicial or administrative action is assessed as probable and the amounts involved can be measured with sufficient certainty, based on the nature, complexity, and history of the actions and on the opinion of the internal legal advisors and external sources and the best information available. For lawsuits whose risk of loss is possible, provisions are not set up and the information is disclosed in the explanatory notes and for lawsuits whose risk of loss is remote, disclosure is not required. Contingent assets are not recognized in the accounting, except when there are real guarantees or favorable court decisions, over which there are no further appeals, characterizing the gain as virtually certain. Contingent assets with probable success, when existing, are only disclosed in the financial statements. In the case of final and unappealable decisions favorable to Santander, the counterparty has the right, if specific legal requirements are met, to file a rescission action within a period determined by current legislation. Rescission actions are considered new actions and will be evaluated for purposes of contingent liabilities 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 conditions for acquisition are: (1) service conditions, provided that the participant remains employed during the term; (2) performance conditions, the number of shares to be delivered to each participant will be determined according to the result of the measurement of a Bank performance parameter: comparison of the Total Shareholder Return (RTA) of the Santander Conglomerate with the RTA of main global competitors of the Group and (3) market conditions, since some parameters are conditioned to the market value of the Bank's shares. The Bank measures the fair value of the services provided by reference to the fair value of the equity instruments granted on the grant date, taking into account the market conditions for each plan when estimating the fair value. Settlement in Shares The Bank measures the fair value of the services provided by reference to the fair value of the equity instruments granted on the grant date, taking into account the market conditions for each plan when estimating the fair value. In order to recognize personnel expenses against capital reserves over the period of validity, as services are received, the Bank considers the treatment of service conditions and recognizes the amount for services received during the period of validity. term, based on the best estimate of the estimate for the number of equity instruments expected to be granted. Cash Settlement For share-based payments settled in cash (in the form of share appreciation), the Bank measures the services provided and the corresponding liability incurred at fair value. This procedure consists of capturing the valuation of shares between the date of grant and settlement. The Bank reassesses the fair value of the liability at the end of each reporting period, any changes in this amount are recognized in profit or loss for the period. In order to recognize personnel expenses against the provisions in “salaries payable” throughout the effective period, reflecting how the services are received, the Bank records the total liability that represents the best estimate of the amount of appreciation right of the shares that will be acquired at the end of the effective period and recognizes the value of services received during the effective period, based on the best available estimate. Periodically, the Bank reviews its estimate of the number of share appreciation rights that will be acquired at the end of the grace 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: • Income and expenses from fees and commissions, related to financial assets and financial liabilities measured at fair value through profit or loss, are recognized when paid; • Those arising from transactions or services performed over a period of time are recognized over the life of those transactions or services; It is • Those relating to services provided in a single act are recognized upon execution of that single act. 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 u.1) Financial guarantees Financial guarantees are defined as contracts whereby an entity undertakes to make specific payments on behalf of a third party if the latter fails to do so, regardless of the various legal forms they may have, such as guarantees, irrevocable documentary credits issued or confirmed by the entity, etc. The Bank initially recognizes commissions on financial guarantees as liabilities in the consolidated balance sheet at fair value, which is generally the present value of fees, commissions or interest receivable from these contracts over their term. Financial guarantees, regardless of guarantor, instrumentation or other circumstances, are reviewed periodically to determine the credit risk to which they are exposed and, as the case may be, to consider whether a provision is necessary. Credit risk is determined by applying criteria similar to those established for quantifying impairment losses on debt instruments measured at amortized cost. Provisions set up for these operations are recognized under “Provisions for legal and administrative proceedings, commitments and other provisions” in the consolidated balance sheet (note 22). If a specific provision is required for financial guarantees, the related unearned fees are recognized under “Financial liabilities at amortized cost – Other financial liabilities” in the consolidated balance sheet and are reclassified to the appropriate provision. u.2) Guarantees and Credit Risk Mitigation Policy Banco Santander has the practice of controlling credit risks through the use of guarantees in its operations. Each business unit is responsible for credit risk management and formalizes the use of guarantees in its credit policies. Banco Santander uses guarantees in order to increase its recovery capacity in transactions subject to credit risk. The guarantees used can be fiduciary, real, legal structures with mitigation power and compensation agreements. Annually, the Bank revises its guarantee policies to capture changes in the market, in the characteristics of the assets given in guarantee and in the conditions of the assets, these are examples of revised technical parameters. Credit limits are continuously monitored and changed based on customer behavior. Thus, potential loss amounts represent a fraction of the available amount.
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 under Interest and similar expenses 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 beneficiaries of early retirement - considered as those who ceased to provide services to an entity, but who, without being legally retired, continue to have economic rights in relation to the entity until they acquire the legal status of retirees - time bonuses for accounting purposes, as the case may be, as previously established for post-employment defined benefit 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 basis provided for in the specific legislation, also added to changes in deferred tax assets and liabilities recognized in the consolidated income statement. For income tax expenses resulting from a transaction recognized directly in equity, the tax effect is also recognized in equity. The IRPJ charge is calculated at the rate of 15%, plus an additional 10%, applied on profit, after making the adjustments determined by tax legislation. CSLL is calculated at the rate of 15% for financial institutions and private insurance and capitalization companies and 9% for other companies, levied on profit, after considering the adjustments determined by tax legislation. The CSLL rate, for banks of any kind, was increased from 15% to 20% effective as of March 1, 2020, pursuant to article 32 of Constitutional Amendment 103/2019. The CSLL rate for banks of any kind, financial institutions, private insurance and capitalization legal entities (financial sector legal entities) was increased by 1% for the base period between August 1, 2022 and August 31 December 2022, pursuant to MP 1,115/2022. The social integration program – PIS and the Contribution for the Financing of Social Security – COFINS are calculated at the combined rate of 4.65% on certain gross revenues and expenses. Financial institutions may deduct certain financial expenses when determining the basis for calculating PIS and COFINS. PIS and COFINS are considered as a component of profit (net of certain revenues and expenses); therefore, and in accordance with IAS 12, they are accounted for as income tax. Tax assets and liabilities (except provisions for taxes) classified as “Current” are amounts of taxes to be recovered and amounts of taxes to be paid in the next 12 months. Deferred tax assets and liabilities include temporary differences, identified as amounts expected to be paid or recovered on differences between the carrying amounts of assets and liabilities and their respective calculation bases, and accumulated tax credits and losses. These amounts are measured at the rates expected to apply in the period in which the asset is realized or the liability settled and are revalued at each balance sheet date. 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 utilised, and the deferred tax assets do not result from initial recognition (except in a business combination) of other assets and liabilities in a transaction that affects neither taxable income nor accounting income. Other deferred tax assets (accumulated tax credits and tax losses) are only recognized if it is considered probable that the consolidated entities will have sufficient future taxable income against which they can be used. Due to the change in the CSLL rate, the group companies remeasured their deferred tax assets and liabilities at the rates applicable to the period in which the realization of the asset and the settlement of the liability are estimated. Income and expenses recognized directly in equity are accounted for as temporary differences. The expectation of realization of the Bank's deferred tax assets is based on projections of future results and based on a technical study, as shown in note 23. aa) Consolidated cash flow statements The following terms are used in the consolidated statement of cash flows with the following meanings: • Cash flows: inflows and outflows of cash and cash equivalents, which are highly liquid financial investments subject to insignificant risk of changes in value and typically with a maturity of about three months or less from the date of original purchase. • Operating activities: the primary revenue-generating activities of financial institutions and other activities that are not financing or investing activities. • Investing activities: the acquisition and sale of long-term assets and other investments not included in cash and cash equivalents. • Financing activities: activities that result in changes in the amount and composition of equity and liabilities that are not operating activities. When preparing the consolidated statement of cash flows, highly liquid financial investments with insignificant risk of changes in their values ​​were classified as “Cash and cash equivalents”. The Bank classifies as cash and cash equivalents the balances recorded in the items "Cash and reserves at the Central Bank of Brazil" and "Loans and other amounts with credit institutions" in the consolidated balance sheet, except for resources for restricted use and long-term operations. term. Interest paid and received corresponds to Banco Santander's operating activities.

Accounting policies and metho_3

Accounting policies and method of measurement (Tables)	12 Months Ended
	Dec. 31, 2022
Accounting Policies And Method Of Measurement
Schedule of financial assets and liabilities subject to offsetting	Schedule of financial assets and liabilities subject to offsetting Thousand of reais 2022 Financial assets, gross Financial assets Financial assets Assets: Derivatives 22,433,990 (458,166) 21,975,824 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 19,157,491 (458,166) 18,699,325 Thousand of reais 2021 Financial assets, gross Financial assets Financial assets Assets: Derivatives 21,575,848 (435,925) 21,139,923 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 25,054,906 (435,925) 24,618,981 Thousand of reais 2020 Financial assets, gross Financial assets Financial assets Assets: Derivatives 26,808,180 (560,666) 26,247,514 Financial liabilities, gross Financial liabilities Financial liabilities Liabilities: Derivatives 29,917,498 (560,666) 29,356,832
Schedule of restated for inflation (IGP-M), whose estimated projections	Schedule of restated for inflation (IGP-M), whose estimated projections IGP-M Projection (annual) Until 3 months 0.94% From 3 to 12 months 4.0% From 1 to 3 years 3.0% From 3 to 5 years 3.0% More than 5 years 3.0%
Schedule of estimated average years of useful life of the different assets	Schedule of estimated average years of useful life of the different assets Annual Buildings for own use 4% Furniture 10% Fixtures 10% Office and IT equipment 20% Leasehold improvements 4% or up to contractual maturity

Basis of consolidation (Tables)

Basis of consolidation (Tables)	12 Months Ended
	Dec. 31, 2022
Basis Of Consolidation
Schedule of regarding companies accounted by the equity method by the Bank is provided	Schedule of regarding companies accounted by the equity method by the Bank is provided Quantity of Shares or Quotas Owned (in Thousands) 12/31/2022 Investments Activity Common Shares and Quotas Preferred Shares Direct Participation Consolidated Participation Controlled by Banco Santander Aymoré Crédito, Financiamento e Investimento S.A. (Aymoré CFI) Financial 50,159 - 100.00 100.00 Ben Benefícios e Serviços Instituição de Pagamentos S.A.(BEN Benefícios) Means of Payment 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. (GIRA) Tecnology 381 - 80.00 80.00 Liderança Serviços Especializados em Cobranças Ltda. Collection Management and Credit Recovery 257,306 - 100.00 100.00 Return Capital Serviços de Recuperação de Créditos S.A. Collection Management and Credit Recovery 31,857 - 100.00 100.00 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 575,670 - 100.00 100.00 Santander Corretora de Câmbio e Valores Mobiliários S.A. (Santander CCVM) Broker 14,067,640 14,067,640 99.99 99.99 Santander Corretora de Seguros, Investimentos e Serviços S.A. (Santander Corretora de Seguros) Broker 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 241,941 - 100.00 100.00 SX Negócios Ltda. Other Activities 75,050 - 100.00 100.00 SX Tools Soluções e Serviços Compartilhados LTDA Other Activities 192,000 - 100.00 100.00 Controlled by Aymoré CFI Banco PSA Finance Brasil S.A. (Banco PSA) Bank 105 - 50.00 50.00 Banco Hyundai Capital Brasil S.A. Bank 150,000 - 50.00 50.00 Solution 4Fleet Consultoria Empresarial S.A. (Solution 4Fleet) Tecnology 328 - 80.00 80.00 Controlled by Santander Leasing Banco Bandepe S.A. Bank 3,589 - 100.00 100.00 Santander Distribuidora de Títulos e Valores Mobiliários S.A. (Santander DTVM) Distributor 461 - 100.00 100.00 Controlled by Sancap Santander Capitalização S.A. Capitalization 64,615 - 100.00 100.00 Evidence Previdência S.A. Private Pension 42,819,564 - 100.00 100.00 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. (Apê11) Technology 3,808 - 0.00 90.00 Controlled by Santander Corretora de Títulos de Valores Mobiliários Ltda Toro Corretora de Títulos e de Valores Mobiliários Ltda. (Toro CTVM) Broker 21,726 - 0.00 63.00 Toro Investimentos S.A. Investments 44,101 - 0.00 14.78 Controlled by Toro Corretora de Títulos de Valores Mobiliários Ltda Toro Investimentos S.A. Investments 228,461 - 0.00 76.55 Jointly Controlled Companies by Sancap Santander Auto S.A. Technology 22,452 - 0.00 50.00 Controlled by Toro Investimentos S.A. Monetus Investimentos S.A. Investments 918,264 - 0.00 100.00 Mobills Labs Soluções em Tecnologia Ltda. Technology 1,122,000 - 0.00 100.00 Controlled by Mobillis Labs Soluções em Tecnologia Ltda Mob Soluções em Tecnologia Ltda. Technology 20 - 0.00 100.00 Controlled by Monetus Investimentos S.A. Mobills Corretora De Seguros Ltda. Broker 510 - 0.00 100.00

Cash and balances with the Br_2

Cash and balances with the Brazilian Central Bank (Tables)	12 Months Ended
	Dec. 31, 2022
Cash And Balances With Brazilian Central Bank
Schedule of cash and balances with the Brazilian Central Bank	Schedule of cash and balances with the Brazilian Central Bank Thousand of reais 2022 2021 2020 Cash 4,001,885 4,026,282 4,266,197 Cash and Foreign currency application abroad 18,001,554 12,630,919 15,882,528 Compromised operations 27,344,519 15,055,356 7,306,408 Interbank Deposit Applications (CDI) 217,376 956,192 991,675 Total 49,565,334 32,668,749 28,446,808

Loans and amounts due from cr_2

Loans and amounts due from credit institutions (Tables)	12 Months Ended
	Dec. 31, 2022
Loans And Amounts Due From Credit Institutions
Schedule of consolidated financial statements	Schedule of consolidated financial statements Thousand of reais 2022 2021 2020 Classification: Financial Assets Measured At Amortized Cost 20,713,315 26,485,913 54,072,564 Of which: Loans and amounts due from credit institutions, gross 20,725,914 26,507,738 54,081,629 Impairment losses (note 9.c) (12,599) (21,825) (9,065) Loans and amounts due from credit institutions, net 20,713,315 26,485,913 54,072,564 Loans and amounts due from credit institutions, gross 20,725,914 26,507,738 54,081,629 Type: Time deposits 7,655,416 9,255,101 9,059,204 Reverse repurchase agreements (1) 2,430,956 4,129,438 699,035 Escrow deposits 10,267,493 10,200,137 10,773,280 Other accounts 372,049 2,923,062 33,550,110 Total 20,725,914 26,507,738 54,081,629 (1) Guaranteed by debt instruments.
Schedule of Loans and amounts due from credit institutions currency	Schedule of Loans and amounts due from credit institutions currency Thousand of reais 2022 2021 2020 Currency: Brazilian Real 19,796,533 23,669,165 51,088,578 US dollar 676,709 2,445,781 2,778,913 Euro 252,672 392,793 214,138 Total 20,725,914 26,507,739 54,081,629
Schedule of Cash equivalents	Schedule of Cash equivalents Thousand of reais 2022 2021 2020 Cash equivalents: Short-term transactions and low risk of change in its value (1) 2,617,866 4,856,771 1,690,709 (1) The Amount refers to investments in the open market (repurchase agreements) and investments in interbank deposits (CDI) at short term

Debt instruments (Tables)

Debt instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Debt Instruments
Schedule of breakdown, by classification, type and currency, of the balances of debt instrument	Schedule of breakdown, by classification, type and currency, of the balances of debt instrument Thousand of reais 2022 2021 2020 Classification: Financial Assets Measured At Fair Value Through Profit Or Loss 3,956,833 3,122,017 3,545,660 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 62,234,621 47,752,595 68,520,799 Financial Assets Measured At Fair Value Through Other Comprehensive Income 55,392,178 101,212,600 109,668,214 Financial Assets Measured At Amortized Cost 81,329,013 73,125,011 48,367,791 Of which: Debt Instruments 82,502,775 74,315,903 49,945,226 Provision for losses due to non-recovery ("impairment") (note 9.c) (1,173,762) (1,190,892) (1,577,435) Total 202,912,645 225,212,223 230,102,464 Type: Government securities - Brazil (1) 142,748,873 171,436,589 191,896,439 Debentures and Promissory notes 28,251,227 19,881,934 17,071,856 Other debt securities 31,912,545 33,893,700 21,134,169 Total 202,912,645 225,212,223 230,102,464 (1) Includes, substantially, National Treasury Bills (LTN), Treasury Bills (LFT) e National Treasury Notes (NTN-A, NTN-B, NTN-C e NTN-F).
Schedule of debt instruments are composed, majority	Schedule of debt instruments are composed, majority Thousand of reais 2022 2021 2020 Currency: Brazilian Real 185,814,293 208,599,863 207,752,590 US dollar 17,098,352 16,612,360 22,292,647 Euro - - 57,227 Total 202,912,645 225,212,223 230,102,464
Schedule of debt Instruments linked to	Schedule of debt Instruments linked to Thousand of reais 2022 2021 2020 Debt Instruments linked to: Repo Operations 60,633,943 76,211,049 101,371,733 Operations guarantees in B3 S.A. - Brasil, Bolsa, Balcão (B3 S.A.) 19,251,597 19,470,624 12,963,251 Associated to judiciary deposits and other guarantees 15,235,912 23,291,528 9,665,135 Total 95,121,452 118,973,201 124,000,119

Equity instruments (Tables)

Equity instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Equity Instruments
Schedule of breakdown, by classification and type, of the balances of equity instruments	Schedule of breakdown, by classification and type, of the balances of equity instruments Thousand of reais 2022 2021 2020 Classification: Financial Assets Measured At Fair Value Through Profit or Loss Held For Trading 2,365,229 2,020,610 1,818,276 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss 240,050 477,707 438,912 Financial Assets Measured At Fair Value Through Other Comprehensive Income 33,493 29,187 72,173 Total 2,638,772 2,527,504 2,329,361 Type: Shares of Brazilian companies 1,458,883 1,869,824 1,953,128 Shares of foreign companies 60,235 48,825 13,617 Investment funds (1) 1,119,654 608,855 362,616 Total 2,638,772 2,527,504 2,329,361 (1) Composed mainly by investment on fixed income, public and private securities.
Schedule of Equity instruments - Financial assets measured at fair value through profit or loss held for trading	Schedule of Equity instruments - Financial assets measured at fair value through profit or loss held for trading Thousand of reais 2022 2021 2020 Balance at beginning of year 2,020,610 1,818,276 2,029,470 Net additions (disposals) 344,619 202,334 (211,194) Balance at end of year 2,365,229 2,020,610 1,818,276
[custom:EquityInstrumentsNontradingFinancialAssetsMandatorilyMeasuredAtFairValueThroughProfitOrLossTableTextBlock]	Schedule of Equity instruments - Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss Thousand of reais 2022 2021 2020 Balance at beginning of year 477,707 438,912 171,453 Net additions (disposals) (237,657) 38,795 267,459 Balance at end of year 240,050 477,707 438,912
Schedule of Equity instruments - Financial Assets Measured At Fair Value Through Other Comprehensive Income	Schedule of Equity instruments - Financial Assets Measured At Fair Value Through Other Comprehensive Income Thousand of reais 2022 2021 2020 Balance at beginning of year 29,187 72,173 157,306 Net additions (disposals) 4,306 (42,986) (85,133) Balance at end of year 33,493 29,187 72,173

Derivative financial instrume_2

Derivative financial instruments and Short positions (Tables)	12 Months Ended
	Dec. 31, 2022
Derivative Financial Instruments And Short Positions
Summary of Trading Derivative and Used as Hedge	Summary of Trading Derivative and Used as Hedge 2022 2021 2020 2020 2020 Assets Original Adjustment Rectified Swap Differentials Receivable 13,815,247 7,641,355 14,729,642 - 14,729,642 Option Premiums to Exercise 1,419,279 1,385,889 4,974,618 - 4,974,618 Forward Contracts and Others 6,741,298 12,112,679 9,166,360 (2,623,106) 6,543,254 Total 21,975,824 21,139,923 28,870,620 (2,623,106) 26,247,514 Liabilities Swap Differentials Payable 11,212,030 8,538,705 18,327,611 - 18,327,611 Option Premiums Launched 1,894,522 2,256,244 4,926,994 - 4,926,994 Forward Contracts and Others 5,592,773 13,824,032 8,725,333 (2,623,106) 6,102,227 Total 18,699,325 24,618,981 31,979,938 (2,623,106) 29,356,832
Summary by Category	Summary by Category Trading 2022 2021 2020 Notional Curve Value Fair Value Notional (1) Curve Value Fair Value Notional (1) Curve Value Fair Value Swap 779,023,280 (3,682,261) 2,603,217 837,762,019 (1,804,744) (897,350) 398,925,842 (3,076,947) (3,597,969) Assets 393,351,898 11,857,946 13,815,247 418,137,448 13,162,674 7,641,355 278,752,387 6,249,519 14,729,642 CDI (Interbank Deposit Rates) 85,498,232 3,624,970 5,069,441 66,837,268 318,541 (778,177) 41,316,315 326,586 3,010,880 Fixed Interest Rate - Real 186,961,127 772,985 4,902,157 231,741,021 9,269,271 6,412,471 54,159,848 4,013,563 9,607,342 Indexed to Price and Interest Rates 182,645 22,536 14,225 2,089,110 - (234,488) 5,124,411 - - Foreign Currency 116,577,474 1,292,203 4,764,609 91,837,446 799,550 2,003,728 178,076,136 959,322 1,039,529 Others 4,132,420 145,252 (935,185) 25,632,603 2,775,313 237,822 75,676 950,048 1,071,891 Liabilities 385,671,382 (15,540,207) (11,212,030) 419,624,571 (14,967,418) (8,538,705) 120,173,455 (9,326,465) (18,327,611) CDI (Interbank Deposit Rates) 79,217,799 (4,057,095) (4,363,542) 321,402,883 (4,171,481) (12,327,484) 33,239,801 (6,911,748) (13,693,733) Fixed Interest Rate - Real 210,472,552 (8,512,023) (4,347,433) 48,874,762 (6,760,576) 2,467,425 45,088,689 (2,183,507) (2,772,479) Indexed to Price and Interest Rates 626,129 (166,138) (87,692) 22,827,336 - (728,677) 33,026,692 - (450,958) Foreign Currency 91,303,383 (2,804,302) (3,494,263) 887,129 (28,407) 2,287,852 6,636,885 (25) 153,695 Others 4,051,519 (649) 1,080,900 25,632,461 (4,006,955) (237,822) 2,181,388 (231,186) (1,564,135) Options 1,150,540,616 (877,100) (475,243) 1,130,172,099 (595,345) (870,355) 2,043,286,085 (282,110) 47,624 Purchased Position 600,275,162 2,243,354 1,419,279 564,829,758 1,240,879 1,385,889 1,006,266,897 1,869,806 4,974,618 Call Option - US Dollar 10,629,479 440,097 214,722 9,898,179 271,464 382,237 1,188,387 47,898 39,202 Put Option - US Dollar 4,474,015 122,896 124,163 4,094,316 140,280 187,123 1,948,673 79,019 109,075 Call Option - Other 94,414,288 674,574 577,487 31,248,540 459,995 510,977 134,761,947 558,794 1,093,583 Interbank Market 92,324,275 608,913 555,707 28,499,055 444,446 495,214 101,421,659 557,167 556,039 Others (2) 2,090,013 65,661 21,780 2,749,485 15,549 15,763 33,340,288 1,627 537,544 Put Option - Other 490,757,380 1,005,787 502,907 519,588,723 369,140 305,553 868,367,889 1,184,095 3,732,758 Interbank Market 490,535,950 980,433 480,682 519,588,723 369,140 305,553 864,852,555 1,183,630 3,729,297 Others (2) 221,430 25,354 22,225 - - - 3,515,334 464 3,461 Sold Position 550,265,454 (3,120,454) (1,894,522) 565,342,341 (1,836,224) (2,256,244) 1,037,019,188 (2,151,915) (4,926,994) Call Option - US Dollar 6,763,742 (292,212) (165,919) 4,111,016 (170,553) (152,348) 1,537,670 (70,201) 699,243 Put Option - US Dollar 8,885,700 (409,758) (508,584) 4,017,161 (348,715) (287,825) 2,315,919 (137,061) (192,335) Call Option - Other 42,840,737 (1,590,130) (821,508) 33,383,234 (719,460) (872,335) 130,919,394 (588,023) (453,919) Interbank Market 33,377,728 (575,451) (349,710) 31,730,928 (713,773) (858,586) 120,156,285 (566,813) (464,405) Others (2) 9,463,009 (1,014,679) (471,798) 1,652,305 (5,687) (13,749) 10,763,109 (21,210) 10,486 Put Option - Other 491,775,275 (828,354) (398,511) 523,830,930 (597,497) (943,736) 902,246,206 (1,356,630) (4,979,984) Interbank Market 491,596,383 (804,467) (378,608) 523,830,930 (597,497) (943,736) 869,328,317 (1,350,314) (4,597,427) Others (2) 178,892 (23,887) (19,903) - - - 32,917,888 (6,316) (382,557) Futures Contracts 278,348,786 - - 287,984,278 - - 270,258,566 - - Purchased Position 254,505,429 - - 148,237,279 - - 110,275,866 - - Exchange Coupon (DDI) 77,727,137 - - 85,931,389 - - 12,438,695 - - Interest Rates (DI1 and DIA) 148,713,860 - - 28,491,764 - - 97,837,171 - - Foreign Currency 27,444,003 - - 33,797,350 - - - - - Indexes (3) 482,394 - - 16,776 - - - - - Others 138,035 - - - - - - - - Sold Position 23,843,357 - - 139,746,999 - - 159,982,699 - - Exchange Coupon (DDI) 17,259,936 - - 60,606,204 - - 73,114,014 - - Interest Rates (DI1 and DIA) 3,337,596 - - 53,267,620 - - 67,958,767 - - Foreign Currency 1,327,928 - - 25,678,296 - - 18,653,658 - - Indexes (3) 1,787,973 - - 194,879 - - 256,261 - - Treasury Bonds/Notes 129,924 - - - - - - - - Forward Contracts and Others 152,669,932 1,394,796 1,148,525 167,611,313 2,836,843 (1,711,353) 165,663,806 2,693,759 441,028 Purchased Commitment 93,143,116 2,292,188 6,741,298 93,097,212 5,345,415 12,112,679 96,309,648 1,370,654 6,543,254 Currencies 72,849,455 1,938,956 6,426,685 83,752,185 2,738,485 8,501,934 87,254,202 1,370,654 5,026,566 Others 20,293,661 353,232 314,613 9,345,027 2,606,930 3,610,745 9,055,447 - 1,516,688 Sold Commitment 59,526,816 (897,392) (5,592,773) 74,514,101 (2,508,572) (13,824,032) 69,354,158 1,323,105 (6,102,227) Currencies 53,574,925 (847,425) (6,490,282) 71,611,500 (1,141,826) (11,932,009) 64,986,757 1,323,328 (4,846,929) Others 5,951,891 (49,967) 897,509 2,902,602 (1,366,746) (1,892,023) 4,367,401 (223) (1,255,298) (1) Nominal value of updated contracts. (2) Includes index options, primarily options involving US Treasury, stocks and stock indices. (3) Includes Bovespa and S&P indices.
Schedule of Derivatives Financial Instruments by Counterparty	Schedule of Notional 2022 Related Financial Customers Parties Institutions (1) Total Swap 38,910,036 250,925,646 103,516,216 393,351,898 Options 69,919,242 742,316 1,079,879,058 1,150,540,616 Futures Contracts 1,525,199 - 276,823,587 278,348,786 Forward Contracts and Others 61,719,539 72,055,923 18,894,470 152,669,932 (1) Includes trades with B3 S.A. and other securities and commodities exchanges. Notional 2021 2020 Related Financial Customers Parties Institutions (1) Total Total Swap 152,650,125 233,667,783 31,819,540 418,137,448 278,752,387 Options 1,127,446,708 1,641,361 1,084,030 1,130,172,099 2,043,286,085 Futures Contracts 287,984,278 - - 287,984,278 270,258,566 Forward Contracts and Others 70,457,399 96,857,222 296,692 167,611,313 163,040,700 (1) Includes trades with B3 S.A. and other securities and commodities exchanges.
Schedule of Derivatives Financial Instruments by Maturity	Schedule of Derivatives Financial Instruments by Maturity Notional 2022 Up to From 3 to Over 3 Months 12 Months 12 Months Total Swap 45,216,039 55,756,566 292,379,293 393,351,898 Options 632,690,834 392,814,885 125,034,897 1,150,540,616 Futures Contracts 199,359,807 22,626,385 56,362,594 278,348,786 Forward Contracts and Others 76,955,710 44,449,708 31,264,514 152,669,932 Notional 2021 2020 Up to From 3 to Over 3 Months 12 Months 12 Months Total Total Swap 30,501,795 99,817,727 287,817,926 418,137,448 278,752,387 Options 749,406,698 128,500,299 252,265,102 1,130,172,099 2,043,286,084 Futures Contracts 167,320,563 45,239,639 75,424,076 287,984,278 270,258,566 Forward Contracts and Others 72,761,669 67,060,436 27,789,208 167,611,313 163,040,700
Schedule of Derivatives by Market Trading	Schedule of Derivatives by Market Trading Notional Stock Exchange (1) Over the Counter 2022 Total Swap 45,837,011 347,514,887 393,351,898 Options 1,076,649,948 73,890,668 1,150,540,616 Futures Contracts 278,348,786 - 278,348,786 Forward Contracts and Others 6,790,867 145,879,065 152,669,932 (1) Includes trades with B3 S.A. Notional Stock Exchange (1) Over the Counter 2021 2020 Total Total Swap 111,418,682 306,718,767 418,137,448 278,752,387 Options 1,094,484,434 35,687,665 1,130,172,099 2,043,286,084 Futures Contracts 287,984,278 - 287,984,278 270,258,566 Forward Contracts and Others 7,108,898 160,502,415 167,611,313 163,040,700 (1) Includes trades with B3 S.A.
Schedule of calculation of Required Stockholders' Equity	Schedule of calculation of Required Stockholders' Equity 2022 2021 2020 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 3,725,358 7,831,108 3,984,392 - 3,483,628 519,670 Total 3,725,358 7,831,108 3,984,392 - 3,483,628 519,670
Schedule of credit event related to triggering events	Schedule of credit event related to triggering events 2022 2021 2020 Maximum Potential for Future Payments - Gross Over 12 Months Total Over 12 Months Total Over 12 Months Total Per Instrument CDS 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Per Risk Classification Below Investment Grade 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Per Reference Entity Brazilian Government 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298 Total 11,556,466 11,556,466 3,984,392 3,984,392 4,003,298 4,003,298
Schedule of Attributable to the type of risk being hedged	Schedule of Attributable to the type of risk being hedged 2022 2021 2020 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) - Trade Finance Off (189) - 728 - (5,092) - Total (189) - 3,757,122 - (2,188,933) -
Schedule of Hedge Instruments	Schedule of 12/31/2022 Hedge Hedge Instruments Objects Curve Adjustment to Accounting Curve Adjustment to Accounting Strategies Value Market Value Value Value Market Value Value Swap Contracts 437,702 48,140 485,842 461,499 (24,687) 436,812 Credit Operations Hedge 437,702 48,140 485,842 461,499 (24,687) 436,812 Hedge of Securities - - - - - - Future Contracts 75,057,601 3,862,299 78,919,900 75,953,237 1,729,350 77,682,587 Credit Operations Hedge 11,451,502 686,249 12,137,751 10,529,915 3,067,594 13,597,509 Hedge of Securities 3,971,751 - 3,971,751 3,787,939 (609,013) 3,178,926 Funding Hedge 59,634,348 3,176,050 62,810,398 61,635,383 (729,231) 60,906,152 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 (*) The Bank has market risk hedging strategies, the objects of which are assets in its portfolio, which is why we demonstrate the liability position of the respective instruments. For structures whose instruments are futures, we show the calculated daily adjustment balance, recorded in a memorandum account.
Schedule of Hedge Structure - Cash Flow	Schedule of Hedge Structure - Cash Flow 2022 2021 2020 Hedge Structure Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Effective Portion Accumulated Portion Ineffective Cash Flow Hedge Eurobonds - - - - 14,666 - Trade Finance Off (72,624) - (236,630) - 58,088 - Government Securities (LFT) (984,396) - (982,648) - 727,437 - CDB (536,935) - 402,779 - - - Total (1,593,955) - (816,500) - 800,190 -
Schedule of Hedge Instruments / Hedge Object	Schedule of 12/31/2022 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Future Contracts 42,617,519 403,700 43,021,219 42,568,476 2,611,153 45,179,629 Credit Operations Hedge 14,039,535 54,882 14,094,417 12,251,307 2,647,973 14,899,280 Hedge of Securities 17,126,826 348,474 17,475,300 18,375,905 1,912,343 20,288,248 Funding Hedge 11,451,158 344 11,451,502 11,941,264 (1,949,163) 9,992,101 12/31/2021 Hedge Instruments Hedge Object Curve Accounting Adjustment to Curve Market Accounting Strategies Value Value - liability Market Value Value Value Value Swap Contracts 110,932,644 (616,062) 110,316,582 128,673,067 (8,912,769) 119,760,298 Credit Operations Hedge 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 Hedge of Securities 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 (*) The Bank has cash flow hedging strategies, the objects of which are assets in its portfolio, which is why we demonstrate the liability position of the respective instruments. For structures whose instruments are futures, we show the notional balance, recorded in a memorandum account.
Schedule of Composed of government securities	Schedule of Composed of government securities 2022 2021 2020 Financial Treasury Bills - LFT 18,269,122 31,305,549 4,363,666 National Treasury Bills - LTN 3,291,246 3,751,223 6,155,276 National Treasury Notes - NTN 10,904,676 7,725,538 2,814,274 Total 32,465,044 42,782,310 13,333,215

Loans and advances to clients (

Loans and advances to clients (Tables)	12 Months Ended
	Dec. 31, 2022
Loans And Advances To Clients
[custom:BalancesOfLoansAndAdvancesToCustomersTableTextBlock]	Schedule of classification, of the balances of “Loans and advances to clients Thousand of reais 2022 2021 2020 Classification: Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 1,894,282 392,455 60,808 Financial Assets Measured At Amortized Cost 488,735,746 464,451,587 393,707,229 Of which: Loans and receivables at amortized cost 522,761,008 492,962,247 417,761,218 Impairment losses (34,025,262) (28,510,660) (24,053,989) Loans and advances to customers, net 490,630,028 464,844,042 393,768,037 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 Thousand of reais 2022 2021 2020 Type: Loans operations (1) 492,232,308 457,384,432 390,941,415 Lease Portfolio 2,862,185 2,532,048 2,096,240 Repurchase agreements - 6,044,808 4,530,041 Other receivables (2) 29,560,797 27,393,414 20,254,330 Total 524,655,290 493,354,702 417,822,026 (1) Includes loans, financing and other receivables with credit characteristics. (2) Refers substantially to Foreign Exchange Transactions and Other Receivables with the characteristic of granting credit.
Schedule of gross of reduction losses to recoverable value	Schedule of gross of reduction losses to recoverable value Thousand of reais 2022 2021 2020 Loan borrower sector: Commercial, and industrial 223,321,961 215,967,128 191,281,653 Real estate-construction 58,242,768 54,738,607 45,791,869 Installment loans to individuals 240,227,475 220,115,963 178,652,145 Lease financing 2,863,086 2,533,004 2,096,359 Total 524,655,290 493,354,702 417,822,026
Schedule of interest rate formula	Schedule of i nterest rate formula Thousand of reais 2022 2021 2020 Interest rate formula: Fixed interest rate 353,381,012 337,583,246 292,884,352 Floating rate 171,274,278 155,771,456 124,937,674 Total 524,655,290 493,354,702 417,822,026
Schedule of Debt sector by maturity	Schedule of 2022 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 126,507,628 46.89% 83,448,296 47.02% 13,366,037 17.27% 223,321,961 42.57% Real estate 4,297,742 1.59% 10,905,342 6.14% 43,039,684 55.63% 58,242,768 11.09% Installment loans to individuals 137,581,042 51.00% 81,679,970 46.02% 20,966,463 27.09% 240,227,475 45.79% Lease financing 1,397,799 0.52% 1,454,533 0.82% 10,754 0.01% 2,863,086 0.55% Loans and advances to customers, gross 269,784,211 100.00% 177,488,141 100.00% 77,382,938 100.00% 524,655,290 100.00% 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 52.15% 14,810,364 28.62% 178,652,145 42.76% 87,174,594 39.79% 76,667,187 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%
Schedule of maturity	Schedule of 2022 2021 2020 Maturity Less than 1 year 269,784,211 270,050,934 219,062,744 Between 1 and 5 years 177,488,141 160,932,317 147,013,817 More than 5 years 77,382,938 62,371,451 51,745,465 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 Internal risk classification Low 392,397,296 374,505,212 347,315,357 Medium-low 77,992,749 79,216,725 24,277,404 Medium 18,647,136 14,589,977 26,231,871 Medium - high 13,573,901 9,413,110 3,896,457 High 22,044,208 15,629,678 16,100,937 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026
Schedule of impairment losses on the balances of Loans and receivables	Schedule of impairment losses on the balances of Loans and receivables Thousand of reais 2022 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 6,977,664 5,753,855 16,991,855 29,723,374 Impairment losses charged to income for the year 2,418,459 7,757,352 13,624,909 23,800,720 Transfers between stages (387,312) (124,415) 7,860,172 7,348,445 Movement of the period 2,805,771 7,881,767 5,764,737 16,452,275 Of which: Commercial and industrial 262,834 696,692 7,894,856 8,854,382 Real estate-construction (6,839) (20,320) 271,494 244,335 Installment loans to individuals 2,163,216 7,084,057 5,438,540 14,685,813 Lease financing (752) (3,077) 20,019 16,190 Variation by Stage (6,516,310) (6,652,359) 13,168,669 - Write-off of impaired balances against recorded impairment allowance - - (18,340,010) (18,340,010) Of which: Commercial and industrial - - (4,919,792) (4,919,792) Real estate-construction - - (114,637) (114,637) Installment loans to individuals - - (13,294,696) (13,294,696) Lease financing - - (10,885) (10,885) Exchange Variation 6,104 2,610 18,825 27,539 Balance at end of year 2,885,917 6,861,458 25,464,248 35,211,623 Of which: Loans and advances to customers 2,807,780 6,852,845 24,364,637 34,025,262 Loans and amounts due from credit institutions (Note 5) 12,599 - - 12,599 Provision for Debt Instruments (Note 6) 65,537 8,613 1,099,612 1,173,762 Recoveries of loans previously charged off - - 983,030 983,030 Of which: Commercial and industrial - - 597,436 597,436 Real estate-construction - - 35,671 35,671 Installment loans to individuals - - 346,097 346,097 Lease financing - - 3,826 3,826 Discount Granted - - (2,011,059) (2,011,059) Thousand of reais 2022 2021 2020 Balance at beginning of year 29,723,374 25,640,489 22,625,750 Impairment losses charged to income for the year 23,800,720 16,986,695 18,311,441 Of which: Commercial and industrial 8,854,382 3,340,309 6,918,671 Real estate-construction 244,335 116,031 81,415 Installment loans to individuals 14,685,813 13,531,815 11,308,689 Lease financing 16,190 (1,460) 2,666 Write-off of impaired balances against recorded impairment allowance (18,340,010) (12,934,687) (15,297,428) Of which: Commercial and industrial (4,919,792) (5,184,225) (4,744,944) Real estate-construction (114,637) (166,579) (232,262) Installment loans to individuals (13,294,696) (7,575,967) (10,433,131) Lease financing (10,885) (7,916) (14,588) Exchange Variation 27,539 30,878 127,499 Balance at end of year 35,211,623 29,723,376 25,640,488 Of which: Loans and advances to customers 34,025,262 28,510,659 24,053,989 Loans and amounts due from credit institutions (Note 5) 12,599 21,825 9,065 Provision for Debt Instruments (Note 6) 1,173,762 1,190,892 1,577,435 Recoveries of loans previously charged off 983,030 1,536,336 861,253 Of which: Commercial and industrial 597,436 462,523 422,023 Real estate-construction 35,671 64,257 55,631 Installment loans to individuals 346,097 1,002,257 370,491 Lease financing 3,826 7,299 13,107
Schedule of balances of the provision for losses due to non-recovery by debtor sector	Schedule of balances of the provision for losses due to non-recovery by debtor sector Thousand of reais 2022 2021 2020 Commercial and industrial 12,259,205 8,324,614 9,757,193 Real estate - Construction 283,946 154,248 193,935 Installment loans to individuals 22,658,949 21,240,296 15,675,765 Lease financing 9,523 4,218 13,594 Total 35,211,623 29,723,376 25,640,488
Schedule of Loans and receivables - loans and advances to customers	Schedule of Loans and receivables - loans and advances to customers Thousand of reais 2022 2021 2020 Balance at the beginning of the period 26,923,312 23,176,039 23,426,076 Net additions 31,920,565 18,428,727 14,757,908 Written-off assets (19,620,042) (14,681,454) (15,007,946) Balance at end of year 39,223,835 26,923,312 23,176,039
Schedule of detail of the financial assets considered to be impaired classified by age of the oldest past- due amount	Schedule of detail of the financial assets considered to be impaired classified by age of the oldest past- due amount Thousand of reais 2022 2021 2020 With no Past- Due Balances or Less than 3 Months Past Due 23,036,735 12,885,506 12,966,813 With Balances Past Due by 3 to 6 Months 4,349,146 4,717,302 3,049,974 6 to 12 Months 9,536,043 6,866,628 4,798,859 12 to 18 Months 1,481,516 1,253,046 1,243,809 18 to 24 Months 315,987 659,702 607,527 More than 24 Months 504,408 541,129 509,056 Total 39,223,835 26,923,312 23,176,039 Thousand of reais 2022 2021 2020 Debt Sector Commercial and industrial 14,156,235 11,439,692 10,558,213 Real estate - Construction 1,057,989 470,115 456,130 Installment loans to individuals 23,999,266 14,996,152 12,144,238 Lease financing 10,345 17,353 17,458 Total 39,223,835 26,923,312 23,176,039
Schedule of Loan past due for less than 90 days but not classified as impaired	Schedule of Loan past due for less than 90 days but not classified as impaired Thousand of reais 2022 % of total loans past due for less than 90 days 2021 % of total loans past due for less than 90 days 2020 % of total loans past due for less than 90 days Commercial and industrial 4,940,611 21.43% 4,892,277 20.68% 5,131,885 25.80% Real estate - Construction 4,063,490 17.63% 3,605,641 15.24% 3,085,498 15.51% Installment loans to individuals 14,035,606 60.89% 15,150,254 64.04% 11,660,666 58.62% Financial Leasing 11,806 0.05% 10,961 0.05% 13,292 0.07% Total (1) 23,051,513 100.00% 23,659,133 100.00% 19,891,340 100.00% (1) Refers exclusively to loans between 1 and 90 days.
Schedule of Gross investment in lease transactions	Schedule of Gross investment in lease transactions Thousand of reais 2022 2021 2020 Overdue 2,066 3,531 2,740 Due to: Up to 1 year 1,197,133 1,067,567 952,172 From 1 to 5 years 1,888,521 1,642,506 1,394,525 Over 5 years 123,496 132,459 20,128 Total 3,211,216 2,846,063 2,369,565

Non-current assets held for s_2

Non-current assets held for sale (Tables)	12 Months Ended
	Dec. 31, 2022
Non-current Assets Held For Sale
Schedule of variation of the caption "Non-current assets held for sale	Schedule of variation of the caption "Non-current assets held for sale Thousand of reais 2022 2021 2020 Balance at beginning of year 1,065,420 1,362,602 1,580,496 Loan repayments - repossession of assets 201,391 235,904 445,173 Capital Increase in Companies held for sale 56,512 66,197 - Sales (413,777) (599,283) (663,067) Final balance, gross 909,546 1,065,420 1,362,602 Impairment losses (1) (210,410) (249,075) (269,693) Impairment as a percentage of foreclosed assets 23.13% 23.38% 19.79% Balance at end of year 699,136 816,345 1,092,909 (1) In 2022, includes the amount of R$196,649 (2021 – R$182,448 and 2020 – R$24,751) of reversal of provisions for depreciation on real estate and R$2,053 (2021 – R$2,194) of provisions for depreciation on vehicles, constituted based on appraisal reports prepared by a specialized external consultancy, accounted for as a provision for non-recovery losses (“impairment”).

Investments in associates and_2

Investments in associates and joint ventures (Tables)	12 Months Ended
	Dec. 31, 2022
Investments In Associates And Joint Ventures
Schedule of Jointly controlled and Significant Influence - Participation	Schedule of Jointly controlled and Significant Influence - Participation Participation % Jointly Controlled by Banco Santander Activity Country 2022 2021 2020 Banco RCI Brasil S.A. Bank Brazil 39.89 39.89 39.89 Estruturadora Brasileira de Projetos S.A. - EBP Other Activities Brazil 11.11 11.11 11.11 Gestora de Inteligência de Crédito Credit Bureau Brazil 15.56 19.45 20.00 Campo Grande Empreendimentos Other Activities Brazil 0.00 25.32 25.32 Santander Auto S.A. Other Activities Brazil 50.00 50.00 50.00 CIP S.A Other Activities Brazil 17.87 0.00 0.00 Jointly Controlled by Santander Corretora de Seguros 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 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A Insurance Broker Brazil 20.00 0.00 0.00 Jointly Controlled by Aymoré CFI Solution 4 Fleet Other Activities Brazil 80.00 80.00 0.00 (1) Companies with a one-month lag for the calculation of equity equivalence. For the accounting of equity income, the position of 11/30/2022 was used on 12/31/2022. (2) Although the stake is less than 20%, the Bank exercises joint control over the entity with the other majority shareholders, through a shareholders' agreement where no business decision can be taken by a single shareholder. (3) Although the stake exceeds 50%, in accordance with the shareholders' agreement, control is shared by Santander Corretora de Seguros and Carsales.com Investments PTY LTD. (Carsales). (4) Pursuant to the shareholders' agreement, control is shared by Santander Corretora de Seguros and PSA Services LTD. (5) Participation arising from the credit recovery of Banco Comercial e de Investimentos Sudameris S.A., incorporated in 2009 by Banco ABN AMRO Real S.A., which in the same year was incorporated by 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. (6) In March 2022, the Interbank Payments Chamber – CIP was demutualized. The non-profit association underwent a spin-off in which part of the equity was incorporated into a new for-profit company CIP S.A.
Schedule of Jointly controlled and Significant Influence - Investments	Schedule of Investments 2022 2021 2020 Jointly Controlled by Banco Santander 1,053,127 628,040 590,219 Banco RCI Brasil S.A. 552,572 591,745 544,236 Estruturadora Brasileira de Projetos S.A. - EBP 746 1,257 1,273 Gestora de Inteligência de Crédito 61,590 13,522 28,680 Campo Grande Empreendimentos - 255 255 Santander Auto S.A. 30,778 21,261 15,775 CIP S.A 407,441 - - Jointly Controlled by Santander Corretora de Seguros 674,443 593,002 504,766 Webmotors S.A. 386,437 359,092 316,597 Tecnologia Bancária S.A. - TECBAN 243,649 232,109 186,357 Hyundai Corretora de Seguros 1,254 1,260 1,044 PSA Corretora de Seguros e Serviços Ltda. 540 541 768 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A 42,563 - - Jointly Controlled by Aymoré CFI - 11,604 - Solution 4 Fleet. - 11,604 - Total 1,727,570 1,232,646 1,094,985
Schedule of Jointly controlled and Significant Influence - Results of Investments	Schedule of Jointly controlled and Significant Influence - Results of Investments Results of Investments 2022 2021 2020 Jointly Controlled by Banco Santander 134,043 54,493 50,914 Banco RCI Brasil S.A. 84,214 62,813 72,057 Norchem Participações e Consultoria S.A. - - 333 CIP S.A. 50,607 - - Estruturadora Brasileira de Projetos S.A. - EBP 43 (16) 9 Gestora de Inteligência de Crédito (13,365) (14,419) (19,064) Santander Auto S.A. 12,544 6,115 (2,421) Equity in earnings 2022 2021 2020 Jointly Controlled by Santander Corretora de Seguros 65,136 91,833 61,380 Webmotors S.A. 52,085 45,817 38,823 Tecnologia Bancária S.A. - TECBAN 11,540 45,752 22,219 Hyundai Corretora de Seguros (6) 216 110 PSA Corretora de Seguros e Serviços Ltda. 1,021 48 226 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A 496 - - Jointly Controlled by Aymoré CFI - (2,142) - Solution 4 Fleet. - (2,142) - Significant Influence of Banco Santander - - (33) Norchem Holding e Negócios S.A. - - (33) Total 199,179 144,184 112,261
Schedule of Jointly controlled and Significant Influence - Total	Schedule of Jointly controlled and Significant Influence - Total 2022 Total assets Total liabilities Total Income Jointly Controlled by Banco Santander 15,665,896 15,289,473 446,732 Banco RCI Brasil S.A. 11,232,921 11,078,109 211,111 Estruturadora Brasileira de Projetos S.A. - EBP 6,831 11,427 390 Gestora de Inteligência de Crédito 1,565,100 1,642,454 (68,330) Santander Auto S.A. 208,976 182,551 26,425 CIP S.A 2,652,068 2,374,932 277,136 Jointly Controlled by Santander Corretora de Seguros 3,593,408 3,459,786 133,621 Webmotors S.A. 393,592 316,559 77,033 Tecnologia Bancária S.A. - TECBAN 2,973,912 2,921,075 52,837 Hyundai Corretora de Seguros Ltda. 4,025 4,037 (12) PSA Corretora de Seguros e Serviços Ltda. 5,400 3,358 2,041 CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A 216,479 214,757 1,722 Total 19,259,304 18,749,259 580,353 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 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 Significant Influence of Banco Santander 14,871 17,548 (2,677) Norchem Holding e Negócios S.A. 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 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
Schedule of Jointly controlled and Significant Influence - Changes in the balance	Schedule of Jointly controlled and Significant Influence - Changes in the balance 2022 2021 2020 Jointly Controlled by Banco Santander Balance at beginning of year 1,232,646 1,094,985 1,049,510 Additions / disposals (net) due to change in the scope of consolidation (11,604) (739) (41,851) Additions /disposals 103,500 13,746 13,571 Add / Lower (809) - - Share of results of entities accounted for using the equity method 199,179 144,184 112,293 Dividends proposed/received (125,732) (66,878) (59,784) Adjustment to market value (26,355) - - Others - 47,348 21,246 Balance at end of year 1,370,825 1,232,646 1,094,985 Significant Influence of Banco Santander Balance at beginning of year - - 21,252 Share of results of entities accounted for using the equity method - - (33) Dividends proposed/received - - (239) Alienation 356,745 - (20,980) Balance at end of year 356,745 - -
Schedule of Principal jointly controlled entities	Schedule of Principal jointly controlled entities 2022 2021 2020 Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Banco RCI Brasil Webmotors Current assets 10,608,167 404,644 10,187,883 342,195 11,270,565 276,170 Current liabilities 9,284,716 86,928 8,754,744 71,742 9,825,654 220,707 Cash and cash equivalents 306,035 2,161 341,015 2,746 201,142 1,411 Depreciation and amortization (1,592) (818) (1,628) (19,152) (1,577) (14,949) Revenue 885,062 84,742 637,856 331,586 732,253 277,270 Interest income 1,875,538 12,887 1,308,649 3,938 1,354,283 2,283 Interest expense (1,057,093) - (592,776) - (483,506) - Tax Income / (expense) (103,934) (43,634) (105,266) (32,819) (169,957) (26,314) Current financial liabilities (excluding trade and other payables and provisions) 3,814,862 - 3,293,251 58,910 3,279,806 58,910 Non-current financial liabilities (excluding trade and other payables and provisions) 5,747,252 - 5,218,945 796 5,947,683 796

Tangible assets (Tables)

Tangible assets (Tables)	12 Months Ended
	Dec. 31, 2022
Tangible Assets
Schedule of tangible assets in the consolidated balance sheets	Schedule of 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, 2019 2,840,170 5,345,320 10,172,692 3,082,781 2,053 21,443,016 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 Additions 32,959 435,858 693,957 - - 1,162,774 Additions resulting mergers - - - 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 Additions 44,475 185,248 896,388 - - 1,126,111 Additions by Company Acquisition - - - 333,742 - 333,742 Cancellation of lease agreements - - - (115,842) - (115,842) Write-off (49,212) (215,731) (531,621) - - (796,564) Transfers - 54,958 26,128 - - 81,086 Balance on December 31, 2022 2,794,786 3,310,630 10,677,131 3,642,324 1,247 20,426,118 Accumulated depreciation Land and buildings IT equipment and fixtures Furniture and vehicles Leased Fixed Assets Others Total 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) Balance on December 31, 2021 (973,469) (1,595,971) (7,312,714) (1,105,000) - (10,987,154) Additions (101,576) (332,594) (865,145) (560,728) - (1,860,043) Write-off 28,904 214,948 404,157 - - 648,009 Transfers - (117) (3,673) - - (3,790) Balance on December 31, 2022 (1,046,141) (1,713,734) (7,777,375) (1,665,728) - (12,202,978) Losses from non-recovery (impairment) 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) Impacts on results (5,644) - (87) - - (5,731) Balance on December 31, 2022 (27,942) - 8,952 - (13,387) (32,377) Carrying amount 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 Balance on December 31, 2022 1,720,703 1,596,896 2,908,708 1,976,596 (12,140) 8,190,763

Intangible assets - Goodwill (T

Intangible assets - Goodwill (Tables)	12 Months Ended
	Dec. 31, 2022
Tangible Assets
Schedule of breakdown	Schedule of breakdown Thousand of reais 2022 2021 2020 Breakdown Banco ABN Amro Real S.A. (Banco Real) 27,217,565 27,217,565 27,215,749 Toro Corretora de Títulos e Valores Mobiliários S.A. 160,771 305,937 - Liderança Serviços Especializados em Cobranças Ltda. 236,626 237,663 - Olé Consignado (Atual Denominação Social do Banco Bonsucesso Consignado) 62,800 62,800 62,800 Solution 4Fleet Consultoria Empresarial S.A. 32,590 32,613 - Return Capital Serviços de Recuperação de Créditos S.A. (atual denominação social da Ipanema Empreendimentos e Participações S.A.) 24,346 24,346 24,346 Santander Brasil Tecnologia S.A. 16,381 16,381 16,381 Paytec Tecnologia em Pagamentos Ltda. - 11,336 - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. 5,271 5,271 - Banco PSA Finance Brasil S.A. 1,557 1,557 1,557 Apê11 Tecnologia e Negocios Imobiliarios S.A. 9,777 - - Monetus Investimentos S.A. 39,919 - - Mobills Labs Soluções em Tecnologia LTDA 39,589 - - CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A. 42,135 - - Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) - - 1,039,304 Total 27,889,327 27,915,469 28,360,137
Schedule of main assumptions	Schedule of Commercial Banking 2022 2021 2020 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) 5.1% 4.8% 4.3% Discount rate (2) 12.9% 12.3% 12.4% (1) Cash flow projections are based on the Management's internal budget and growth plans, considering historical data, expectations and market conditions such as industry growth, interest rates and inflation indices. (2) The discount rate is calculated based on the capital asset pricing model (CAPM). The pre-tax discount rate is 19.09% (2021 – 18.77% and 2020 – 19.56%).
Schedule of Changes of goodwill	Schedule of Changes of goodwill Thousand of reais 2022 2021 2020 Balance at beginning of the year 27,915,469 28,360,137 28,375,004 Additions (loss): Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet) - (1,039,304) - Toro Corretora de Títulos e Valores Mobiliários S.A. (145,167) 305,937 - Liderança Serviços Especializados em Cobranças Ltda. (1,036) 237,663 - Solution 4Fleet Consultoria Empresarial S.A. (23) 32,613 - Paytec Tecnologia em Pagamentos Ltda. (11,336) 11,336 - GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. - 5,271 - Apê11 Tecnologia e Negócios Imobiliários S.A. 9,777 - Monetus Investimentos S.A. 39,919 - Mobills Labs Soluções em Tecnologia Ltda. 39,589 - CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A. 42,135 - Others - 1,816 (14,867) Balance at end of the year 27,889,327 27,915,469 28,360,137

Intangible assets - Other int_2

Intangible assets - Other intangible assets (Tables)	12 Months Ended
	Dec. 31, 2022
Tangible Assets
Schedule of details, by asset category, of the other intangible assets	Schedule of details, by asset category, of the other intangible assets Cost IT developments Other assets Total 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 Additions 1,536,146 201,402 1,737,548 Write-off (186,429) (1,345) (187,774) Transfers 5,986 (38) 5,948 Balance on December 31, 2022 8,381,312 630,048 9,011,360 Accumulated amortization 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) Additions (651,724) (73,735) (725,459) Write-off 40,085 2,991 43,076 Balance on December 31, 2022 (4,820,581) (346,027) (5,166,608) Losses from non-recovery (Impairment) - IT IT developments Other assets Total Balance on December 31, 2019 (2,319) - (2,319) Impact on net profit (1) (66,269) - (66,269) Write-off (1,346) - (1,346) Balance on December 31, 2020 (69,934) - (69,934) Impact on net profit (1) (23,066)     (7,094) (30,160) Balance on December 31, 2021 (93,000) (7,094) (100,094) Impact on net profit (1) (10,091) (21,160) (31,251) Balance on December 31, 2022 (103,091) (28,254) (131,345) Carrying amount 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 Balance on December 31, 2022 3,457,640 255,767 3,713,407 (1) Refers to the impairment loss of assets in the acquisition and development of logic. The loss in the acquisition and development of logiciais was recorded due to the obsolescence and discontinuity of said systems.

Other assets (Tables)

Other assets (Tables)	12 Months Ended
	Dec. 31, 2022
Other Assets Abstract
Schedule of breakdown of the balance of other asset	Schedule of breakdown of the balance of other asset Thousand of reais 2022 2021 2020 Customer relationships 1,645,963 922,860 1,873,048 Prepayments and accrued income 1,031,104 797,365 1,007,792 Contractual guarantees of former controlling stockholders (Note 22.c.5) 496 496 496 Actuarial asset (Note 21) 292,770 287,808 361,149 Other receivables (1) 5,304,196 4,040,499 3,979,926 Total 8,274,529 6,049,028 7,222,411 (1) Corresponds mainly to the payment of payroll portfolio premiums.

Deposits from the Brazilian C_2

Deposits from the Brazilian Central Bank and Deposits from credit institutions (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Schedule of classification, type and currency, of the balances	Schedule of classification, type and currency, of the balances Thousand of reais 2022 2021 2020 Classification: Financial liabilities at amortized cost 116,079,014 121,005,909 131,656,962 Total 116,079,014 121,005,909 131,656,962 Type: Deposits on demand (1) 3,520,842 126,203 296,340 Time deposits (2) 87,824,144 75,754,363 76,489,490 Repurchase agreements 24,734,028 45,125,343 54,871,132 Of which: Backed operations with Private Securities (3) 70,188 13,478,131 13,843,463 Backed operations with Government Securities 24,663,840 31,647,212 41,027,669 Total 116,079,014 121,005,909 131,656,962 (1) Non-remunerated accounts. (2) Includes operations with credit institutions resulting from export and import financing lines, domestic onlending (BNDES and Finame) and abroad, and other credit lines abroad. (3) Refer basically to repurchase agreements backed by own debentures.
Schedule of Deposits from the Brazilian Central Bank and Deposits from credit institutions - by currency	Schedule of Deposits from the Brazilian Central Bank and Deposits from credit institutions - by currency Thousand of reais 2022 2021 2020 Currency: Real 46,952,884 62,322,887 77,743,482 Euro - 9,309 13,156 US dollar 68,661,828 58,673,713 53,900,324 Other currencies 464,302 - - Total 116,079,014 121,005,909 131,656,962

Client deposits (Tables)

Client deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Client Deposits
Schedule of balance of Customer deposits	Schedule of balance of Customer deposits Thousand of reais 2022 2021 2020 Classification: Financial liabilities at amortized cost 489,953,489 468,961,069 445,813,972 Total 489,953,489 468,961,069 445,813,972 Type: Demand deposits Current accounts (1) 26,607,407 41,742,247 35,550,105 Savings accounts 60,170,586 65,248,913 62,210,443 Time deposits 339,943,008 280,955,456 269,929,085 Repurchase agreements 63,232,488 81,014,453 78,124,340 Of which: Backed operations with Private Securities (2) 17,309,369 20,103,099 14,944,250 Backed operations with Government Securities 45,923,119 60,911,354 63,180,090 Total 489,953,489 468,961,069 445,813,972 (1) Non-remunerated accounts. (2) Refer basically to repurchase agreements backed by own debentures.

Marketable debt securities (Tab

Marketable debt securities (Tables)	12 Months Ended
	Dec. 31, 2022
Marketable Debt Securities
Schedule of balance of marketable debt securities	Schedule of balance of marketable debt securities Thousand of reais 2022 2021 2020 Classification: Financial liabilities at amortized cost 107,120,875 79,036,792 56,875,514 Total 107,120,875 79,036,792 56,875,514 Type: Real estate credit notes - LCI (1) 26,076,306 21,459,182 18,846,138 Eurobonds 14,508,126 12,952,068 9,399,277 Treasury Bills (2) 33,713,048 25,074,264 12,749,911 Agribusiness credit notes - LCA 24,045,319 16,989,434 14,746,831 Guaranteed Real Estate Credit Notes (3) 8,778,076 2,561,845 1,133,356 Total 107,120,875 79,036,792 56,875,514 (1) Real estate credit notes are fixed income securities backed by real estate credits and guaranteed by mortgage or fiduciary alienation of real estate. As of December 31, 2022, they mature between 2023 and 2028 (2021 - with maturity between 2022 and 2028 and 2020 - with maturity between 2021 and 2027). (2) The main characteristics of financial bills are a minimum term of two years, a minimum face value of R$50 and permission for early redemption of only 5% of the amount issued. As of December 31, 2022, they mature between 2023 and 2032 (2021 – with maturity between 2022 and 2031 and 2020 – with maturity between 2021 and 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 separate from the issuer's other assets. On December 31, 2022, they mature between 2023 and 2035 (12/31/2021 - with maturity between 2022 and 2035).
Schedule of Indexers	Schedule of Indexers Indexers: Domestic Abroad Treasury Bills 100% to 112% of CDI - 100% of IPCA - Pre fixed: 4.26% to 14.35% - Real estate credit notes - LCI 86% to 105.8% of CDI - Pre fixed: 3.90% of 14.36% - 100% of IPCA - 1.5% to 1.7% of IPCA - 100% of TR - Agribusiness credit notes - LCA 70% to 104% of CDI - 5.37% to 14.07% of SELIC - Guaranteed Real Estate Credit Notes - LIG 6% to 106% of CDI - 95% to 108.5% of IPCA - Eurobonds - 0% a 9% - CDI+6,4%
Schedule of breakdown, by currency, of the balance of this account	Schedule of breakdown, by currency, of the balance of this account Thousand of reais Currency: 2022 2021 2020 Real 92,612,749 66,084,725 47,490,706 US dollar 14,508,126 12,952,068 9,384,808 Total 107,120,875 79,036,792 56,875,514 Average interest (%) Currency: 2022 2021 2020 Real 12.3% 5.4% 2.5% US dollar 5.2% 5.7% 5.2% Total 8.8% 5.6% 3.9%
Schedule of variations in the balance obligations for bonds and securities	Schedule of variations in the balance obligations for bonds and securities Thousand of reais 2022 2021 2020 Balance at beginning of the year 79,036,792 56,875,514 73,702,474 Issuances 60,583,109 101,784,961 60,047,656 Payments (39,154,639) (97,220,580) (82,900,914) Interest (Note 32) 6,951,908 4,536,849 2,785,942 Exchange differences and Others (296,295) 13,060,048 3,240,356 Balance at end of the year 107,120,875 79,036,792 56,875,514 (1) In 2020, the Exchange Rate linked to “Obligations for bonds and securities” are related to Eurobonds.
[custom:BreakdownOfBondsAndOtherSecuritiesTableTextBlock]	Schedule of breakdown of Bonds and other securities Issuance Maturity Until Interest Rate (p.a.) 2022 2021 2020 2018 2025 4.4% - 306,253 4,213,777 2019 2027 Until 6.4% + CDI 32,204 1,189,699 1,279,506 2020 2027 Until 6.4% + CDI 90,069 3,363,551 3,905,993 2021 2031 Until 9% + CDI 6,306,335 8,092,563 - 2022 2035 Until 9% + CDI 8,079,519 - - Total 14,508,127 12,952,066 9,399,276

Debt Instruments Eligible to _2

Debt Instruments Eligible to Compose Capital (Tables)	12 Months Ended
	Dec. 31, 2022
Debt Instruments
Schedule of Debt Instruments Eligible to Compose Capital	Schedule of Debt Instruments Eligible to Compose Capital 2022 2021 2020 Issuance Maturity Issuance Value Interest Rate (p.a.) Tier I (1) nov-18 No Term (Perpetual) US$1.250 7.250% 6,591,740 7,050,080 6,554,451 Tier II (1) nov-18 nov/28 US$1.250 6.125% 6,580,937 7,038,527 6,565,209 Financial Bills - Tier II (2) nov-21 nov-31 R$5,300 CDI+2% 6,133,677 5,351,046 - Financial Bills - Tier II (2) dez-21 dez-31 R$200 CDI+2% 231,264 201,755 - Total 19,537,618 19,641,408 13,119,660 (1) Issues were made through the Cayman Branch and there is no withholding income tax, and interest is paid semi-annually, as of May 8, 2019. (2) Financial Bills issued in November 2021 have a redemption and repurchase option.
Schedule of Changes in the balance of Debt Instruments Eligible to Compose Capital	Schedule of Changes in the balance of Debt Instruments Eligible to Compose Capital 2022 2021 2020 Balance at beginning of the year 19,641,408 13,119,660 10,175,961 Issuance - Tier II - 5,500,000 - Interest payment Tier I (1) 484,291 505,300 506,771 Interest payment Tier II (1) 379,103 449,899 402,622 Exchange differences / Others (105,467) 977,855 2,948,951 Payments of interest - Tier I (467,099) (493,071) (495,789) Payments of interest - Tier II (394,618) (418,235) (418,856) Balance at end of the year 19,537,618 19,641,408 13,119,660 (1) The interest remuneration referring to the Debt Instrument Eligible for Capital Tier I and II was recorded as a contra entry to income for the period under "Interest and Similar Expenses" (Note 32).

Other financial liabilities (Ta

Other financial liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Other Financial Liabilities
Schedule of breakdown of the balances of these items is as follows	Schedule of breakdown of the balances of these items is as follows Thousand of reais 2022 2021 2020 Credit card obligations 38,941,974 45,976,315 48,912,963 Unsettled financial transactions (1) 20,743,759 10,861,143 7,210,396 Dividends and Interest on Capital payable 191,720 1,029,952 1,223,310 Tax collection accounts - Tax payables 1,108,778 969,939 864,292 Liability associated with the transfer of assets (Note 9.g) 32,138 40,511 55,105 Other financial liabilities 10,496,253 10,030,440 8,595,084 Total 71,514,622 68,908,300 66,861,150 (1) Includes transactions to be settled with B3 S.A. and payment orders in foreign currency.

Provisions for pensions and s_2

Provisions for pensions and similar obligations (Tables)	12 Months Ended
	Dec. 31, 2022
Provisions For Pensions And Similar Obligations
Schedule of Funding status of the defined benefit obligations	Schedule of Funding status of the defined benefit obligations 2022 2021 2020 Present value of the obligations - Post-employment plans: To current employees 186,038 320,202 478,837 Vested obligations to retired employees 23,920,682 26,183,758 28,202,580 Total 24,106,720 26,503,960 28,681,417 Less: Fair value of plan assets 27,316,715 28,321,826 28,634,891 Unrecognized assets (1) (4,141,741) (3,645,083) (2,762,220) Provisions – Post-employment plans, net 931,746 1,827,217 2,808,746 Present value of the obligations - Other similar obligations: To current employees 71,653 97,004 135,902 Vested obligations to retired employees 4,517,011 5,026,865 5,782,124 Total 4,588,664 5,123,869 5,918,026 Less: Fair value of plan assets 4,945,407 5,096,262 5,398,667 Unrecognized assets (1) (907,430) (585,495) (240,010) Provisions – Other similar obligations, net 550,687 613,101 759,370 Total provisions for pension plans, net 1,482,433 2,440,318 3,568,115 Of which: Actuarial provisions 1,775,202 2,728,126 3,929,265 Actuarial assets (note 15) 292,770 287,808 361,149 (1) Refers to fully funded surplus plans Banesprev I and III, Sanprev I,II and III and Bandeprev.
Schedule of amounts recognized in the consolidated income statement	Schedule of amounts recognized in the consolidated income statement Post-Employment Plans 2022 2021 2020 Staff costs - Current service costs (note 39) 1,432 1,799 4,186 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) 2,175,565 (81,681) 108,268 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) (2,064,384) 252,608 97,291 Other movements - 41,546 2,117 16,786 Total 154,159 174,843 226,532
Schedule of defined benefit obligations - Other Similar Obligations	Schedule of Other Similar Obligations 2022 2021 2020 Staff costs - Current service costs (note 39) 5,015 6,820 5,860 Interest and similar income and expenses - Interest cost (net) (notes 31 and 32) 427,484 14,985 71,374 Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32) (382,028) 31,500 - Other movements - 31 (135) (142) Total 50,502 53,170 77,092
Schedule of changes in the present value of the accrued defined benefit obligations	Schedule of changes in the present value of the accrued defined benefit obligations Post-Employment Plans 2022 2021 2020 Present value of the obligations at beginning of year 26,503,960 28,681,417 28,057,482 Current service cost (Note 39) 1,432 1,799 4,186 Interest cost 2,175,565 1,971,031 1,940,515 Benefits paid (3,269,089) (2,159,866) (2,060,960) Actuarial (gains)/losses (1,347,974) (1,992,512) 722,261 Others 42,826 2,091 17,933 Present value of the obligations at end of year 24,106,720 26,503,960 28,681,417
Schedule of present value of the accrued defined benefit obligations - Other Similar Obligations	Schedule of Other Similar Obligations 2022 2021 2020 Present value of the obligations at beginning of year 5,123,868 5,918,026 6,251,807 Current service cost (Note 39) 5,015 6,820 5,860 Interest cost 427,484 417,536 448,836 Benefits paid (398,149) (373,341) (337,742) Actuarial (gains)/losses (569,554) (845,173) (450,735) Present value of the obligations at end of year 4,588,664 5,123,868 5,918,026
Schedule of changes in the fair value of the plan assets	Schedule of changes in the fair value of the plan assets Post-Employment Plans 2022 2021 2020 Fair value of plan assets at beginning of year 28,321,826 28,634,891 25,822,890 Interest (Expense) Income 2,477,872 2,052,712 1,832,247 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense (950,298) (791,317) 2,994,598 Contributions/(surrenders) 750,690 589,006 49,716 Of which: By the Bank 747,913 585,437 44,970 By plan participants 2,777 3,569 4,746 Benefits paid (3,269,258) (2,159,866) (2,060,960) Exchange differences and other items (14,117) (3,600) (3,600) Fair value of plan assets at end of year 27,316,715 28,321,826 28,634,891
Schedule of Changes in the fair value of the plan assets - Other Similar Obligations	Schedule of Other Similar Obligations 2022 2021 2020 Fair value of plan assets at beginning of year 5,096,263 5,398,667 5,222,517 Interest (Expense) Income 449,758 402,551 377,462 Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense (399,946) (521,100) (34,409) Contributions/(surrenders) 164,876 151,926 132,416 Of which: By the Bank 164,876 151,926 132,416 Benefits paid (365,544) (335,781) (299,319) Fair value of plan assets at end of year 4,945,407 5,096,263 5,398,667
Schedule of Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses	Schedule of Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses Post-Employment Plans 2022 2021 2020 Experience Plan (739,281) (2,640,120) (807,895) Changes in Financial Assumptions 2,087,825 4,632,632 85,634 Changes in Financial Demographic (174) - - Gain (Loss) Actuarial - Obligation 1,348,370 1,992,512 (722,261) Return on Investment, Return Unlike Implied Discount Rate (962,916) (791,317) 2,994,598 Gain (Loss) Actuarial - Asset (962,916) (791,317) 2,994,598 Changes in Surplus / Deficit Uncollectible (82,891) (630,255) (1,318,382)
Schedule of Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses - Other Similar Obligations	Schedule of Other Similar Obligations 2022 2021 2020 Experience Plan (10,858) (290,878) 289,237 Changes in Financial Assumptions 580,286 1,136,497 182,120 Changes in Financial Demographic 126 (446) (20,621) Gain (Loss) Actuarial - Obligation 569,554 845,173 450,735 Return on Investment, Return Unlike Implied Discount Rate (403,979) (521,100) (34,409) Gain (Loss) Actuarial - Asset (403,979) (521,100) (34,409) Changes in Surplus Uncollectible (254,205) (313,984) (240,010)
Schedule of experience adjustments arising from plan assets and liabilities	Schedule of experience adjustments arising from plan assets and liabilities Post - Employment Plans 2022 2021 2020 Experience in Net Assets Adjustments (950,298) (791,317) 2,994,598 Other Similar Obligations 2022 2021 2020 Experience in Net Assets Adjustments (399,946) (521,100) (34,409)
[custom:AmountsOfActuarialObligationOfDefinedBenefitPlansUnnsuredAndDefinedBenefitPlansPartiallyOrTotallyCoveredTableTextBlock]	Schedule of actuarial obligation of defined benefit plans not covered and defined benefit plans partially or totally In thousands of reais 2022 2021 2020 Defined benefit plans uninsured 550,687 613,101 759,370 Defined benefit plans partially or totally covered 28,000,988 31,014,727 33,840,073
Schedule of estimated benefits payable for the next ten years	Schedule of estimated benefits payable for the next ten years 2023 2,490,444 2024 2,537,599 2025 2,582,067 2026 2,623,161 2027 2,660,393 2028 to 2032 13,668,829 Total 26,562,493
Schedule of change of one percentage point in the medical care cost rates	Schedule of change of one percentage point in the medical care cost rates Sensitivity 2022 2021 2020 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% (22,524) (240,984) (25,444) (305,114) (28,711) (402,547) (-)0.5% 24,802 265,351 28,133 337,349 32,099 450,049 Boards of Mortality Applied (+) 2 years (42,586) (455,624) (44,619) (535,039) (47,637) (667,904) Applied (-) 2 years 45,310 484,763 47,934 574,793 54,226 760,289 Cost of Medical Care (+)0.5% 29,297 313,438 31,280 375,089 34,718 486,769 (-)0.5% (27,104) (289,978) (28,762) (344,891) (31,637) (443,569)
Schedule of duration of the actuarial liabilities of the plans	Schedule of duration of the actuarial liabilities of the plans Plans Post - Employment Plans Duration (in years) Banesprev Plans I 8.87 Banesprev Plans II 9.48 Banesprev Plans III 8.30 Banesprev Plans IV 10.11 Banesprev Plans V 7.19 Banesprev Pre-75 7.83 Sanprev I 5.78 Sanprev II 9.24 Sanprev III 8.25 Bandeprev Basic 7.74 Bandeprev Special I 5.61 Bandeprev Special II 5.16 SantanderPrevi 5.90 CACIBAN / DAB / DCA 5.67 4.79 5.17
Schedule of actuarial liabilities of the plans - Other Similar Obligations	Schedule of Plans Other Similar Obligations Cabesp 11.83 Bandepe 9.79 Free Clinic 8.91 Lifetime officers 6.88 Health officers 22.61 Circulars (1) 8.74 7.98 Life Insurance 7.88 (1) The duration 8.74 refers to the plan of Former Employees of Banco ABN Amro and 7.98 to the plan of Former Employees of Banco Real.
Schedule of actuarial Assumptions Adopted in Calculations	Schedule of actuarial Assumptions Adopted in Calculations 2022 2021 2020 Pension Health Pension Health Pension Health Nominal Discount Rate for Actuarial Obligation 9.44 9.64 9.46 9.64 8.4% 8.4% 6.8% 7.1% Rate Calculation of Interest Under Assets to the Next Year 9.44 9.64 9.46 9.64 8.4% 8.4% 6.8% 7.1% Estimated Long-term Inflation Rate 3.0% 3.0% 3.0% 3.0% 3.3% 3.3% Estimated Salary Increase Rate 3.5% N/A 3.5% N/A 3.8% N/A Mortality tables AT2000 AT2000 AT2000 AT2000 AT2000 AT2000 (1) (2)

Provisions for judicial and a_2

Provisions for judicial and administrative proceedings, commitments and other provisions (Tables)	12 Months Ended
	Dec. 31, 2022
Provisions For Judicial And Administrative Proceedings Commitments And Other Provisions
Schedule of breakdown of the balance of Provisions	Schedule of breakdown of the balance of Provisions Thousand of reais 2022 2021 2020 Pension fund provisions and similar requirements 1,775,202 2,728,126 3,929,265 Provisions for lawsuits and administrative proceedings, commitments and other provisions 7,339,941 8,876,356 9,885,713 Judicial and administrative proceedings under the responsibility of former controlling stockholders (Note 15) 496 496 496 Judicial and administrative proceedings 6,754,262 7,668,914 8,648,892 Of which: Civil 2,875,936 3,231,004 3,429,155 Labor 1,700,752 2,071,811 2,886,990 Tax and Social Security 2,177,574 2,366,099 2,332,747 Provisions for contingent commitments (Note 22.b.1) 430,484 908,027 724,779 Others provisions 154,700 298,919 511,546 Total 9,115,143 11,604,482 13,814,978
Schedule of Changes in Provisions	Schedule of Changes in Provisions Thousand of reais 2022 Pensions (1) Other Provisions Total Balance at beginning of year 2,728,126 8,876,356 11,604,482 Additions charged to income: Interest expense and similar charges 156,637 - 156,637 Personnel Expenses (Note 39) 6,447 - 6,447 Constitutions / Reversals and Adjustment of provisions 40,470 1,652,562 1,693,032 Other Comprehensive Income (401,147) - (401,147) Additions to provisions for contingent commitments - (477,543) (477,543) Payments to external funds (783,187) - (783,187) Amount paid - (2,713,474) (2,713,474) Transfer to other assets - actuarial assets (Note 15) 27,856 - 27,856 Transfers, exchange differences and other changes - 2,040 2,040 Balance at end of year 1,775,202 7,339,941 9,115,143 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 (1) For further information, see note 22. Provisions for pension funds and similar obligations.
Schedule of Movement of provisions	Schedule of Movement of provisions Thousand of reais 2022 2021 2020 Balance at the beginning of the period (after the initial adoption of IFRS 9) 908,027 724,779 683,918 Creation of provision for contingent commitments (477,543) 183,248 40,861 Balance at end of year 430,484 908,027 724,779

Tax assets and liabilities (Tab

Tax assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Tax Assets And Liabilities
Schedule of total charge for the year can be reconciled to accounting profit	Schedule of total charge for the year can be reconciled to accounting profit Thousand of reais 2022 2021 2020 Operating Profit Before Tax 19,574,727 24,750,329 9,663,975 Rates (25% income tax and 20% social contribution tax) (4) (8,890,954) (12,375,164) (4,348,789) PIS and COFINS (net of income and social contribution taxes) (1) (3,629,609) (1,679,789) (1,589,260) Non-taxable/Non-deductible: Equity in affiliates 3,880 72,114 85,723 Goodwill - (559,247) (183,854) Exchange variation - foreign branches (2) - 768,902 6,831,484 Net Indeductible Expenses of Non-Taxable Income (3) 1,161,311 (230,958) (57,663) Adjustments: Constitution of income and social contribution taxes on temporary differences 312,227 264,191 551,983 Interest on Equity 2,361,830 1,820,072 1,478,138 CSLL Aliquot Differential Effect (4) 715,075 1,192,687 353,777 Other adjustments 2,730,988 1,536,187 665,239 Income taxes (5,235,252) (9,191,005) 3,786,778 Of which: Current tax (4,597,818) (8,087,119) (5,111,380) Deferred taxes (637,434) (1,103,886) 8,898,158 Taxes paid in the year (6,077,436) (4,534,538) (1,269,150) (1) PIS and COFINS are considered as components of the profit base (net base of certain revenues and expenses); therefore, and in accordance with IAS 12, they are accounted for as income taxes. (2) Permanent differences related to investment in subsidiaries abroad are considered as non-taxable/deductible (see details below). (3) Includes, mainly, the tax effect on income from updates of judicial deposits and other income and expenses that do not qualify as temporary differences. (4) In 2021, Law No. 14,183/2021 increased the CSLL rate for financial companies from 15% to 20% and for banks from 20% to 25% from July to December 2021. In 2022, CSLL was increased from 15% to 16% for Financial companies and from 20% to 21% from August to December 2022, in accordance with Law 14,446/22. Financial) and 21% (Banks). In addition to the recurring events shown in this line, the relative values ​​of the judgment of Theme 962 by the Federal Supreme Court (STF) were also recognized, the non-incidence of IRPJ and CSLL on the amounts related to the Selic rate of repetition of tax overpayment.
Schedule of foreign exchange variations recorded as a result of foreign investments	Schedule of 2022 2021 2020 Exchange differences (net) Result generated by the exchange rate variations on the Bank's investment in the Cayman, Luxemburg and EFC Branch (2,643,931) 3,862,128 16,791,857 Gains (losses) on financial assets and liabilities (net) Result generated by derivative contracts used as hedge 2,773,337 (6,374,108) (30,374,869) Income Taxes Tax effect of derivative contracts used as hedge - PIS / COFINS (129,406) 275,052 311,819 Tax effect of derivative contracts used as hedge - IR / CS - 2,236,928 13,271,193
Schedule of effective tax rate	Schedule of effective tax rate Thousand of reais 2022 2021 2020 Operating Profit Before Tax 19,574,727 24,750,329 9,663,975 Income tax (5,235,252) (9,191,005) 3,786,778 Effective tax rate 26.74% 37.13% -39.18%
Schedule of Bank recognized the following amounts in consolidated equity	Schedule of Bank recognized the following amounts in consolidated equity Thousand of reais 2022 2021 2020 Tax credited to equity 4,853,421 4,583,297 3,008,035 Measurement at fair value through other comprehensive income 2,061,631 1,978,165 472,472 Measurement of cash flow hedges 758,045 388,307 1,533 Measurement of investment hedges 562,352 562,353 562,353 Defined benefit plan 1,471,393 1,654,472 1,971,677 Tax charged to equity (1,474,107) (2,349,500) (3,087,311) Measurement at fair value through other comprehensive income (1,465,965) (2,340,394) (2,700,991) Measurement of cash flow hedges - - (386,284) Defined benefit plan (8,142) (9,106) (36) Total 3,379,314 2,233,797 (79,276)
Schedule of Balances of Tax assets - Deferred and Tax liabilities - Deferred	Schedule of Balances of Tax assets - Deferred and Tax liabilities - Deferred Thousand of reais 2022 2021 2020 Tax assets: 38,607,588 37,640,297 37,981,698 Of which: Temporary differences (1) 33,086,551 32,884,314 32,113,436 Tax loss carry forwards 5,521,037 4,755,983 5,693,104 Social contribution taxes 18% - - 175,158 Total deferred tax assets 38,607,588 37,640,297 37,981,698 Tax liabilities: 3,642,000 2,225,190 4,546,595 Of which: Excess depreciation of leased assets 289,026 - 166,903 Adjustment to fair value of trading securities and derivatives 3,352,974 2,225,190 4,379,692 Total deferred tax liabilities 3,642,000 2,225,190 4,546,595 (1) Temporary differences mainly refer to impairment losses on loans and receivables, provisions for legal and administrative proceedings and the effect of the fair value of financial instruments.
Schedule of Changes in the balances of Tax Assets - Deferred and Tax Liabilities - Deferred	Schedule of Changes in the balances of Tax Assets - Deferred and Tax Liabilities - Deferred Thousand of reais Balances at December 31, 2021 Adjustment to Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2022 Tax assets: 37,640,297 2,834,405 (735,734) (1,131,380) - 38,607,588 Temporary differences 32,884,314 2,069,351 (735,734) (1,131,380) - 33,086,551 Tax loss carry forwards 4,755,983 765,054 - - - 5,521,037 Tax liabilities: 2,225,190 2,898,723 (647,856) (834,057) - 3,642,000 Temporary differences 2,225,190 2,898,723 (647,856) (834,057) - 3,642,000 Total 35,415,107 (64,318) (87,878) (297,323) - 34,965,588 Thousand of reais Balances at December 31, 2020 Adjustment to Valuation adjustments (1) Other (2) Acquisition / Merger Balance on December 31, 2021 Tax assets: 37,999,396 (3,609,495) 1,696,091 1,554,305 - 37,640,297 Temporary differences 32,131,133 (2,497,215) 1,696,091 1,554,305 - 32,884,314 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 33,452,801 (2,265,227) 2,673,228 1,554,305 - 35,415,107 Thousand of reais Balances at December 31, 2019 Adjustment to 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 37,981,699 Temporary differences 29,565,700 3,223,197 (400,583) (418,784) 161,603 32,113,436 Tax loss carry forwards 367,120 5,325,984 - - - 5,693,104 Social contribution taxes 18% 362,240 (187,081) - - - 175,159 Deferred 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 33,435,104 (1) Refers to tax recognized in equity. (2) In 2022, it refers mainly to the net of deferred taxes in the amount of R$(297,323) (2021 – R$1,572,002 and 2020 – R$358,435), which have the same counterparty and realization period.
Schedule of expected realization of deferred tax assets	Schedule of expected realization of deferred tax assets Tax assets Tax liabilities Year Temporary differences Tax loss carry forwards Social contribution taxes 18% Total Temporary differences Total 2023 11,738,573 94,081 - 11,832,654 674,661 674,661 2024 9,210,122 110,376 - 9,320,498 691,457 691,457 2025 9,001,904 850,688 - 9,852,592 506,886 506,886 2026 1,577,206 5,097 - 1,582,303 853,414 853,414 2027 986,375 4,029 - 990,404 853,414 853,414 2028 to 2032 572,371 4,456,766 - 5,029,137 62,168 62,168 Total 33,086,551 5,521,037 - 38,607,588 3,642,000 3,642,000

Other liabilities (Tables)

Other liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Other Liabilities
Schedule of breakdown of the balance of other Liabilities	Schedule of breakdown of the balance of other Liabilities Thousand of reais 2022 2021 2020 Accrued expenses and deferred income (1) 4,127,300 2,649,744 5,115,936 Transactions in transit (3) 794,786 796,671 674,162 Provision for share-based payment 340,789 319,660 325,930 Liabilities for insurance contracts 1,950,220 2,011,596 1,987,577 Other (2) 5,679,249 4,723,707 5,947,640 Total 12,892,344 10,501,378 14,051,245 (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, 2022
Other comprehensive income [abstract]
Schedule of other Comprehensive Income Financial assets measured at fair value	Schedule of other Comprehensive Income Financial assets measured at fair value Thousand of reais 2022 Revaluation gains Revaluation losses Net revaluation gains (losses) Fair value Debt Instruments Government debt securities 1,460,128 (2,544,087) (1,083,959) 54,809,740 Private-sector debt securities 428,640 (52,114) 376,526 582,438 Total 1,888,768 (2,596,201) (707,433) 55,392,178 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

Non-controlling interests (Tabl

Non-controlling interests (Tables)	12 Months Ended
	Dec. 31, 2022
Non-controlling Interests
Schedule of balance of equity - non-controlling interests	Schedule of balance of equity - non-controlling interests Thousand of reais 2022 2021 2020 Financial Position of non-controlling interest 497,342 334,349 312,885 Banco PSA Finance Brasil S.A. 130,404 129,289 138,644 Rojo Entretenimento S.A. 7,692 6,939 7,087 Banco Hyundai Capital 218,808 183,538 167,155 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. (72) 3,109 - Toro Corretora de Títulos e valores Mobiliários S.A. 115,671 11,474 - Toro Investimentos S.A. 19,899 - - Solution 4fleet Consultoria Empresarial S.A. 1,648 - - Apê11 Tecnologia e Negócios Imobiliários S.A. (Apê11) 3,292 - -
Schedule of Balance of Profit attributable to non-controlling interests	Schedule of Thousand of reais 2022 2021 2020 Profit attributable to non-controlling interests 52,382 31,272 32,224 Of which: Santander Leasing S.A. Arrendamento Mercantil - - (444) Banco PSA Finance Brasil S.A. 11,657 12,688 14,146 Rojo Entretenimento S.A. 530 (148) (159) Banco Hyundai Capital 41,107 21,563 18,681 GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A. (3,182) 1,569 - Toro Corretora de Títulos e Valores Mobiliários S.A. 2,693 (4,400) - Toro Investimentos S.A. 1,229 - - Solution 4Fleet Consultoria Empresarial S.A. (1,023) - - Apê11 Tecnologia e Negócios Imobiliários S.A. (Apê11) (629) - -
[custom:ChangesInTheBalanceOfNoncontrollingInterestsTableTextBlock]	Schedule of changes in the balance of “Non-controlling interests 2022 2021 2020 Thousand of reais Balance at beginning of year 334,349 312,885 558,581 Change in the scope of consolidation (1) - 17,415 (271,078) Incorporation / Acquisition 20,446 - - Dividends paid / Interest on Capital (7,432) (19,138) - Capital increase 66,957 - - Profit attributable to non-controlling interests 52,382 31,272 32,224 Others 30,640 (8,085) (6,842) Balance at end of year 497,342 334,349 312,885 (1) 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.

Shareholders_ equity (Tables)

Shareholders’ equity (Tables)	12 Months Ended
	Dec. 31, 2022
Shareholders Equity
Schedule of divided into registered book-entry shares	Schedule of divided into registered book-entry shares Thousand of shares 2022 2021 Common Preferred Total Common Preferred Total Brazilian residents 120,850 146,392 267,242 109,718 135,345 245,063 Foreign residents 3,697,845 3,533,444 7,231,289 3,708,977 3,544,491 7,253,468 Total shares 3,818,695 3,679,836 7,498,531 3,818,695 3,679,836 7,498,531 (-) Treasury shares (31,162) (31,162) (62,324) (15,755) (15,755) (31,510) Total outstanding 3,787,533 3,648,674 7,436,207 3,802,940 3,664,081 7,467,021 Thousand of shares 2020 Common Preferred Total Brazilian residents 109,885 135,438 245,323 Foreign residents 3,708,810 3,544,398 7,253,208 Total shares 3,818,695 3,679,836 7,498,531 (-) Treasury shares (18,829) (18,829) (37,658) Total outstanding 3,799,866 3,661,007 7,460,873
Schedule of distribution of dividends and Interest on Equity	Schedule of distribution of dividends and Interest on Equity 2022 Real per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Dividends (1)(5) 1,300,000 165.95 182.55 348.50 165.95 182.55 348.50 Interest on Capital (1)(6) 1,700,000 217.02 238.72 455.73 184.46 202.91 387.37 Dividends (2)(6) 700,000 89.45 98.40 187.85 89.45 98.40 187.85 Interest on Capital (2)(6) 1,000,000 127.79 140.57 268.36 108.62 119.48 228.10 Interest on Capital (3)(6) 1,700,000 217.75 239.52 457.27 185.09 203.59 388.68 Dividends (4)(6) 820,000 105.02 115.53 220.55 105.02 115.53 220.55 Interest on Capital (4)(6) 880,000 112.71 123.98 236.69 95.80 105.38 201.19 Total 8,100,000 (1) Deliberated by the Board of Directors on February 1, 2022, paid on March 4, 2022, without any monetary restatement. (2) Deliberated by the Board of Directors on April 14, 2022, paid on May 16, 2022, without any monetary restatement. (3) Deliberated by the Board of Directors on August 5, 2022, paid on September 6, 2022, without any monetary restatement. (4) Deliberated by the Board of Directors on October 13, 2022, paid on November 22, 2022, without any remuneration by way of updating. (5) They were fully imputed to the minimum mandatory dividends distributed by the Bank for the year 2021. (6) Will be fully imputed to the mandatory minimum dividends to be distributed by the Bank for the year 2022. 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) Deliberated by the Board of Directors on February 2, 2021, paid on March 3, 2021, without any monetary restatement. (2) Deliberated by the Board of Directors on July 27, 2021, paid on September 3, 2021, without any monetary restatement. (3) Deliberated by the Board of Directors on October 26, 2021, paid on December 3, 2021, without any monetary restatement. (4) Resolved by the Board of Directors on December 28, 2021, paid on February 3, 2022, without any remuneration by way of monetary restatement. (5) They were fully imputed to the minimum mandatory dividends distributed by the Bank for the year 2021. 2020 Reais per Thousand Shares / Units Thousand of reais Gross Net Common Preferred Units Common Preferred Units Interest on Capital (1) 5) 890,000 113.71 125.08 238.79 96.65 106.32 202.97 Interest on Capital (2) (5) 770,000 98.37 108.21 206.58 83.62 91.98 175.60 Interest on Capital (3) (5) 1,000,000 127.76 140.54 268.30 108.59 119.45 228.04 Interim Dividends (4) (5) 665,000 84.96 93.45 178.41 72.21 79.44 151.65 Interest on Capital (5) (6) 512,085 65.43 71.97 137.40 65.43 71.97 137.40 Total 3,837,085 (1) Deliberated by the Board of Directors on April 27, 2020, paid on June 24, 2020, without any compensation as compensation restatement. (2) Deliberated by the Board of Directors on July 28, 2020, paid on September 25, 2020, without any remuneration as monetary update. (3) Deliberated by the Board of Directors on October 26, 2020, paid on December 23, 2020, without any remuneration to currency update title. (4) Deliberated by the Board of Directors on December 28, 2020, paid from February 1, 2021, without any compensation as a monetary update. (5) They were fully imputed 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 remuneration as currency update.
Schedule of treasury shares	Schedule of treasury shares 2022 2021 2020 Quantity Quantity Quantity Units Units Units Treasury shares at beginning of the period 15,755 18,829 16,702 Shares Acquisitions 20,297 91 5,052 Payment - Share-based compensation (4,891) (3,165) (2,925) Treasury shares at end of the period 31,161 15,755 18,829 Balance of Treasury Shares in thousand of reais R$ 1,217,545 R$ 711,268 R$ 789,587 R$ 1,771 R$ 1,771 R$ 1,771 Balance of Treasury Shares in thousands of reais R$ 1,219,316 R$ 713,039 R$ 791,358 Cost/Share Price Units Units Units Minimum cost (1) R$7.55 R$7.55 R$7.55 Weighted average cost (1) R$27.73 R$33.86 R$33.24 Maximum cost (1) R$49.55 R$49.55 R$49.55 Share Price R$28.19 R$29.98 R$44.83 (1) Considering since the beginning of operations on the stock exchange.

Earnings per share (Tables)

Earnings per share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings per share [abstract]
Schedule of basic earnings per share	Schedule of basic earnings per share 2022 2021 2020 Profit attributable to the Parent 14,287,093 15,528,052 13,418,529 Earnings per share (BRL) Basic Profit per 1,000 shares (in reais - BRL) Common shares 1,831.43 1,981.65 1,713.45 Preferred shares 2,014.57 2,179.82 1,884.80 Net Profit attributable - Basic (BRL) Common shares 6,936,588 7,535,924 6,511,367 Preferred shares 7,350,505 7,992,128 6,907,162 Weighted average shares outstanding (in thousands) - Basic Common shares 3,787,533 3,802,851 3,800,140 Preferred shares 3,648,674 3,666,423 3,664,666
[custom:DilutedEarningsPerShareTableTextBlock]	Schedule of diluted earnings per share 2022 2021 2020 Profit attributable to the Parent 14,287,093 15,528,052 13,418,529 Earnings per share (in reais - BRL) Diluted earnings per 1,000 shares (in reais - BRL) Common shares 1,831.43 1,981.65 1,713.45 Preferred shares 2,014.57 2,179.82 1,884.80 Net Profit attributable - Basic (in reais - BRL) Common shares 6,936,588 7,535,924 6,511,367 Preferred shares 7,350,505 7,992,128 6,907,162 Weighted average shares outstanding (in thousand) - Diluted Common shares 3,787,533 3,802,851 3,800,140 Preferred shares 3,648,674 3,666,423 3,664,666

Fair value of financial asset_2

Fair value of financial assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value Of Financial Assets And Liabilities
Schedule of air values of financial assets and liabilities	Schedule of air values of financial assets and liabilities 12/31/2022 Level 2 Level 3 Total Financial Assets Measured At Fair Value Through Profit Or Loss 617,356 55,500,261 2,428,997 58,546,614 Debt instruments 617,356 910,480 2,428,997 3,956,833 Balances with The Brazilian Central Bank - 54,589,781 - 54,589,781 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 62,749,831 21,304,134 780,391 84,834,356 Debt instruments 60,482,471 1,508,342 243,808 62,234,621 Equity instruments 2,267,360 97,869 - 2,365,229 Derivatives - 19,697,923 536,583 20,234,506 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss - 1,691,606 442,726 2,134,332 Equity instruments - 211,788 28,262 240,050 Loans and advances to customers - 1,479,818 414,464 1,894,282 Financial Assets Measured At Fair Value Through Other Comprehensive Income 52,154,497 1,767,733 1,503,441 55,425,671 Debt instruments 52,154,405 1,762,547 1,475,226 55,392,178 Equity instruments 92 5,186 28,215 33,493 Hedging derivatives (assets) - 1,741,318 - 1,741,318 Financial Liabilities Measured At Fair Value Through Profit Or Loss Held For Trading - 40,512,986 233,762 40,746,748 Trading derivatives - 18,465,563 233,762 18,699,325 Short positions - 22,047,423 - 22,047,423 Financial Liabilities Measured At Fair Value Through Profit Or Loss - 8,921,518 - 8,921,518 Other financial liabilities - 8,921,518 - 8,921,518 Hedging derivatives (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 - 20,503,650 293,810 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
Schedule of fair value hierarchy	Schedule of fair value hierarchy Fair Value Gains/ losses (Realized/Not Realized) Transfers to Level 3 Additions / Low Fair value 12/31/2022 Financial Assets Measured At Fair Value Through Profit Or Loss 2,520,813 (139,603) -     (156,307) -     204,094 2,428,997 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading 462,156 140,780 (57,926) -     197,309 780,391 Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 449,264 (49,069) (66,980) 109,511 442,726 Financial Assets Measured At Fair Value Through Other Comprehensive Income 601,604 (4,792) 325,456 581,172 1,503,441 Financial Liabilities Measured At Fair Value Through Profit Or Loss 433,583 (176,639) (89,734) 31,703 233,762 Fair Value 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 Held For Trading 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 Held For Trading 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) -
Schedule of financial assets measured at other than fair value and their respective fair values	Schedule of financial assets measured at other than fair value and their respective fair values 12/31/2022 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments 22,003,439 22,003,439 22,003,439 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 20,713,315 20,713,315 - 2,439,823 18,273,492 Loans and advances to customers 488,735,746 484,362,272 - - 484,362,272 Debt instruments 81,329,013 81,129,982 23,419,946 9,873,633 47,836,403 Balances with The Brazilian Central Bank 73,046,299 73,046,299 - 73,046,299 - Total 685,827,812 681,255,307 45,423,385 85,359,755 550,472,167 12/31/2021 Assets Accounting Value Fair Value Level 1 Level 2 Level 3 Open market investments 16,657,201 16,657,201 16,657,201 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 26,485,913 26,485,913 - 4,129,438 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 Balances with The Brazilian Central Bank 69,178,841 69,178,841 - 69,178,841 - 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 20,148,725 20,148,725 20,148,725 - - Financial Assets Measured At Amortized Cost - - - - - Loans and amounts due from credit institutions 54,072,564 54,072,564 - 715,526 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 Balances with The Brazilian Central Bank 58,777,212 58,777,212 - 58,777,212 - Total 575,073,521 579,840,767 24,574,448 81,508,836 473,757,483
Schedule of financial liabilities measured at other than fair value and their respective fair values	Schedule of financial liabilities measured at other than fair value and their respective fair values 12/31/2022 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 116,079,014 116,079,014 - 24,734,029 91,344,985 Customer deposits 489,953,489 489,920,266 - 63,223,998 426,696,268 Marketable debt securities 107,120,875 105,554,365 - - 105,554,365 Debt instruments Eligible Capital 19,537,618 19,537,618 - - 19,537,618 Other financial liabilities 62,593,104 62,593,104 - - 62,593,104 Other financial liabilities 795,284,100 793,684,367 - 87,958,027 705,726,340 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 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 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

Operational Ratios (Tables)

Operational Ratios (Tables)	12 Months Ended
	Dec. 31, 2022
Operational Ratios
Schedule of financial Conglomerate	Schedule of financial Conglomerate BASEL INDEX % Dec-22 Dec-21 Dec-20 Tier I Regulatory Capital 75,943.7 76,969.9 77,571.5 Principal Capital 69,229.0 69,919.9 71,006.3 Supplementary Capital 6,714.7 7,050.1 6,565.2 Tier II Regulatory Capital 13,109.8 12,591.3 6,554.5 Regulatory Capital (Tier I and II) 89,053.5 89,561.3 84,126.0 Credit Risk 559,230.6 527,119.3 478,303.5 Market Risk 19,332.1 15,122.2 15,846.3 Operational Risk 60,073.2 58,499.8 57,419.4 Total RWA 638,635.9 600,741.3 551,569.2 Basel I Ratio 11.89 12.81 14.06 Basel Principal Capital 10.84 11.64 12.87 Basel Regulatory Capital 13.94 14.91 15.25 (1) Exposures to credit risk subject to the calculation of the capital requirement through a standardized approach (RWACPAD) are based on the procedures established by Bacen Circular 3,644, of March 4, 2013 and its subsequent additions through the wording of Bacen Circular 3,174 of August 20, 2014 and Bacen Circular 3,770 of October 29, 2015. (2) Includes the portions for market risk exposures subject to variations in foreign currency coupon rates (RWAjur2), price indices (RWAjur3) and interest rate (RWAjur1/RWAjur4), the price of commodities (RWAcom), the price of shares classified in the trading portfolio (RWAacs) and portions for exposure to gold, foreign currency and transactions subject to exchange variation (RWAcam). (3) Risk Weighted Assets or risk weighted asset.

Interest and similar income (Ta

Interest and similar income (Tables)	12 Months Ended
	Dec. 31, 2022
Interest And Similar Income
Schedule of breakdown of the main items of interest and similar charges accrued	Schedule of breakdown of the main items of interest and similar charges accrued Thousand of reais 2022 2021 2020 Cash and balances with the Brazilian Central Bank 10,202,362 2,581,083 1,552,121 Loans and advances - Credit institutions 2,722,311 1,116,013 1,518,557 Loans and advances - Customers 73,596,047 55,775,027 44,103,997 Debt instruments 22,001,700 16,957,840 13,556,403 Pension Plans (note 21) 19,587 19,612 16,720 Other interest 6,683,111 1,537,733 2,027,142 Total 115,225,118 77,987,308 62,774,940

Interest expense and similar _2

Interest expense and similar charges (Tables)	12 Months Ended
	Dec. 31, 2022
Interest Expense And Similar Charges
Schedule of breakdown of the main items of interest and similar charges accrued	Schedule of breakdown of the main items of interest and similar charges accrued Thousand of reais 2022 2021 2020 Credit institutions deposits 6,736,736 4,712,388 4,327,276 Customer deposits 38,508,954 13,187,967 7,504,276 Marketable debt securities and subordinated liabilities: Marketable debt securities (note 18) 6,951,908 4,536,849 2,785,942 Debt Instruments Eligible to Compose Capital (note 19) 863,394 902,398 909,393 Pension Plans (note 21) 176,224 237,024 293,653 Other interest (1) 14,484,725 3,092,216 2,511,688 Total 67,721,941 26,668,842 18,332,228 (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, 2022
Equity Instruments
Schedule of breakdown of the balance of this item	Schedule of breakdown of the balance of this item Thousand of reais 2022 2021 2020 Equity instruments classified as: Financial Assets Measured At Fair Value Through Profit Or Loss 33,985 89,563 30,232 Financial Assets Measured At Fair Value Through Other Comprehensive Income 4,088 477 3,522 Total 38,073 90,040 33,754

Fee and commission income (Tabl

Fee and commission income (Tables)	12 Months Ended
	Dec. 31, 2022
Fee And Commission Income
Schedule of breakdown of the balance	Schedule of breakdown of the balance Thousand of reais 2022 2021 2020 Collection and payment services: Bills 1,097,170 1,228,497 1,146,929 Demand accounts 2,917,271 3,088,728 2,984,289 Cards (Credit and Debit) and Acquiring Services 5,890,549 5,208,160 6,300,583 Checks and other 109,014 108,487 126,481 Orders 751,766 660,177 844,056 Total 10,765,770 10,294,049 11,402,338 Marketing of non-Banking financial products: Investment funds 568,455 672,915 545,822 Insurance 3,524,201 3,499,342 3,043,036 Capitalization plans 803,052 703,980 630,453 Total 4,895,708 4,876,237 4,219,311 Securities services: Securities underwriting and placement 1,017,763 894,182 695,654 Securities trading 325,960 304,507 267,576 Administration and custody 704,936 640,608 485,756 Asset management 890 946 1,161 Total 2,049,549 1,840,243 1,450,147 Other: Foreign exchange 1,888,194 1,511,807 1,396,715 Financial guarantees 678,908 804,503 728,232 Other fees and commissions 959,594 1,061,250 1,409,964 Total 3,526,696 3,377,560 3,534,911 Total 21,237,723 20,388,089 20,606,707

Fee and commission expense (Tab

Fee and commission expense (Tables)	12 Months Ended
	Dec. 31, 2022
Fee And Commission Expense
Schedule of fees and commissions paid or payable	Schedule of fees and commissions paid or payable Thousand of reais 2022 2021 2020 Commissions assigned to third parties (1) 3,918,115 3,019,496 2,781,568 Other fees and commissions 2,443,728 2,095,292 1,596,925 Total 6,361,843 5,114,788 4,378,493

Gains or losses on financial _2

Gains or losses on financial assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Gains Or Losses On Financial Assets And Liabilities
Schedule of breakdown of the balance of this item, by type of instrument	Schedule of breakdown of the balance of this item, by type of instrument Thousand of reais 2022 2021 2020 Financial Assets Held For Trading (1) Financial Assets Measured At Fair Value Through Profit Or Loss 1,626,177 1,555,837 711,949 Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading (1) 3,445,525 3,519,626 12,122,794 Non-Tranding Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss (270,616) 205,016 172,828 Financial Assets Not Measured At Fair Value Through Profit Or Loss (239,777) (665,853) (239,054) Financial Assets available-for-sale Debt instruments (42,552) (432,510) (207,011) Equity instruments (197,225) (233,343) (32,043) Financial Assets Measured At Fair Value Through Other Comprehensive Income Gains or losses from hedge accounting, net (407,973) (4,392,844) 229,543 Total 4,153,336 221,782 12,998,060 (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, 2022
Exchange Differences
Schedule of exchange differences (net)	Schedule of exchange differences (net) Thousand of Reais 2022 2021 2020 Revenue with Exchange Variations 170,221,459 196,480,319 78,578,786 Expenses with Exchange Variations (169,675,569) (198,482,605) (103,279,748) Total 545,890 (2,002,286) (24,700,962)

Other operating income and ex_2

Other operating income and expenses (Tables)	12 Months Ended
	Dec. 31, 2022
Other Operating Income And Expenses
Schedule of Other operating income and expenses	Schedule of Other operating income and expenses Thousand of reais 2022 2021 2020 Other operating income 885,774 914,084 792,639 Other operating expense (1,238,328) (1,559,663) (1,237,133) Contributions to fund guarantee of credit - FGC (488,448) (473,801) (428,016) Total (841,002) (1,119,380) (872,510)

Personnel expenses (Tables)

Personnel expenses (Tables)	12 Months Ended
	Dec. 31, 2022
Personnel Expenses
Schedule of personnel expenses	Schedule of personnel expenses Thousand of reais 2022 2021 2020 Wages and salaries 6,311,240 5,905,394 5,730,779 Social security costs 1,431,129 1,153,164 1,222,352 Benefits 1,602,744 1,434,815 1,390,044 Defined benefit pension plans (note 22) 6,447 6,415 6,892 Contributions to defined contribution pension plans 128,091 152,156 117,216 Share-based compensation 39,876 24,045 19,348 Training 59,832 54,858 49,037 Other personnel expenses 317,636 294,855 335,814 Total 9,896,995 9,025,702 8,871,482
Schedule of Share-Based Compensation	Schedule of Share-Based Compensation 01/01 to 01/01 to 01/01 to Program Liquidity Type Vesting Period Period of Exercise 01/2019 to 12/2021 2022 and 2023 R$              40,403 (*) R$               4,216,667 (*) R$         4,916,667 01/2020 to 12/2022 2023 R$         4,002,000 (*) R$               3,668,000 (*) R$                   - 01/2020 to 12/2022 2023 and 2024 R$                   - (*) R$               2,986,667 (*) R$         9,440,000 01/2021 to 09/2024 2024 R$       23,490,000 (*) R$             13,520,000 (*) R$                   - 01/2021 to 12/2023 2023 R$         1,500,000 (*) R$               1,834,000 (*) R$                   - Local Santander Brasil Bank Shares 07/2019 to 06/2022 2022 111,066 SANB11 111,962 SANB11 109,677 SANB11 09/2020 to 09/2022 2022 304,594 SANB11 301,583 SANB11 450,738 SANB11 01/2020 to 09/2023 2023 209,278 SANB11 249,666 SANB11 281,031 SANB11 01/2021 to 12/2022 2023 139,163 SANB11 177,252 SANB11 - SANB11 01/2021 to 12/2023 2024 343,863 SANB11 327,065 SANB11 - SANB11 01/2021 to 01/2024 2024 222,178 SANB11 30,545 SANB11 - SANB11 01/2020 to 12/2022 2023 159,253 SAN (**) 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 832,569 Options s/ SAN (**) 1,618,445 Options s/ SAN (**) 1,664,983 Options s/ SAN (**) 01/2021 to 12/2023 02/2024 124,184 SAN (**) 135,632 - 01/2021 to 12/2023 02/2024, with limit for options' exercise until 02/2029 370,477 Options s/ SAN (**) 404,630 - R$       28,992,000 (*) R$             26,225,334 (*) R$       14,356,667 (*) Balance of Plans on December 31, 2022 1,436,867 SANB11 1,198,073 SANB11 841,446 SANB11 434,140 SAN 445,208 SAN 318,478 SAN 1,781,759 Options s/ 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.
Schedule of impacts on the result are recorded in the Personnel Expenses	Schedule of impacts on the result are recorded in the Personnel Expenses Consolidated 01/01 to 01/01 to 01/01 to Program Settlement Type Local Santander Actions (Brazil) 25,506 20,720 10,776 Global Santander Spain shares and stock options 3,706 3,534 846
Schedule of Variable Remuneration Referenced to Shares	Schedule of Variable Remuneration Referenced to Shares Program Participant Liquidity Type 01/01 to 12/31/2022 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) 8,228 63,658 103,696 Unidentified Collective Management-level employees and employees who are benefited by the Deferral Plan 50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11) 76,275 111,995 98,696

Other general administrative _2

Other general administrative expenses (Tables)	12 Months Ended
	Dec. 31, 2022
Other General Administrative Expenses
Schedule of Breakdown - Other administrative expenses	Schedule of Breakdown - Other administrative expenses Thousand of reais 2022 2021 2020 Genreal maintenance expenses 895,734 889,077 743,580 Technology maintenance expenses 2,577,479 2,474,348 2,355,310 Advertising 540,593 621,425 654,175 Communications 421,522 353,271 648,856 Per diems and travel expenses 72,647 71,840 68,922 Taxes other than income tax 148,950 202,440 280,098 Surveillance and cash courier services 548,759 597,946 594,953 Insurance premiums 21,977 22,374 16,620 Specialized and technical services 2,228,715 2,184,139 2,171,460 Technical reports 425,767 355,343 319,814 Others specialized and technical services 1,802,948 1,828,795 1,851,646 Other administrative expenses (1) 886,742 873,857 709,504 Total 8,343,118 8,290,717 8,243,478 (1) On December 31, 2022, it is mainly composed of Data Processing Expenses in the balance of R$ 155,326 (2021 – R$ 160,716 and 2020 - R$ 176,105), Services Expenses in the balance of R$ 52,165 (2021 - revenue of R$ 51,689 and 2020 – R$ 27,751), Expenses with the Benefit Guarantee Fund - FGB 3,979 (2021 – R$ 3,864 and 2020 – R$ 8,478), and Recovery of Charges and Expenses R$ 435,717 (2021 – R$ 378,604 and 2020 – R$ 212,850).
Schedule of Balance of Technical reports	Schedule of Balance of Technical reports Millions of Reais 2022 2021 2020 Independent audit of the financial statements of the companies included in the consolidation scope 28.9 26.3 24.0 Audit Related 0.3 0.2 0.4 Others 0.3 0.4 0.0 Total 29.5 26.9 24.4

Gains or losses on non financ_2

Gains or losses on non financial assets and investments, net (Tables)	12 Months Ended
	Dec. 31, 2022
Gains Or Losses On Non Financial Assets And Investments Net
Schedule of Gains or losses on non financial assets and investments, net	Schedule of Gains or losses on non financial assets and investments, net Thousand of reais 2022 2021 2020 Gains 62,951 45,780 285,335 Tangible and intangible assets 62,951 45,780 36,778 Investments - - 248,557 Losses (40,596) (60,893) (54,622) Tangible and intangible assets (40,596) (32,863) (14,517) Investments - (28,030) (40,105) Total 22,355 (15,113) 230,713

Other disclosures (Tables)

Other disclosures (Tables)	12 Months Ended
	Dec. 31, 2022
Other Disclosures
Schedule of Maximum potential amount of future payments	Schedule of Maximum potential amount of future payments Thousand of reais 2022 2021 2020 Maximum potential amount of future payments Contingent liabilities Guarantees and other sureties 54,497,392 49,391,839 45,930,486 Financial guarantees 41,456,445 33,192,559 32,477,336 Performance guarantees 2,167,016 1,167,603 989,979 Financial letters of credit 10,841,284 14,990,887 12,407,888 Other 32,647 40,790 55,283 Other contingent exposures 2,881,565 4,028,516 2,351,530 Documentary Credits 2,881,565 4,028,516 2,351,530 Total Contingent Liabilities 57,378,957 53,420,355 48,282,016 Commitments Loan commitments drawable by third parties (1) 158,731,264 145,958,258 131,706,433 Total Commitments 158,731,264 145,958,258 131,706,433 Total 216,110,221 199,378,613 179,988,449 (1) Includes the approved limits and unused overdraft, credit card and others.
Schedule of funds managed by Banco Santander not recorded on the balance sheet	Schedule of funds managed by Banco Santander not recorded on the balance sheet Thousand of reais 2022 2021 2020 Funds under management 18,934,221 2,770,684 2,716,477 Managed Funds 265,517,852 192,927,475 191,873,169 Total 284,452,073 195,698,159 194,589,646
Schedule of breakdown, by maturity, of the balances of certain items in the consolidated balance sheets	Schedule of breakdown, by maturity, of the balances of certain items in the consolidated balance sheets 2022 Thousand of reais On Up to 3 to 1 to 3 to After 5 Total Assets: Cash 21,588,648 414,791 - - - - 22,003,439 Debt instruments 16,743,026 6,128,498 24,066,831 51,980,394 33,416,823 70,577,073 202,912,645 Equity instruments 2,473,827 42,813 116,447 2,429 - 3,256 2,638,772 Loans and amounts due from credit institutions 53,762 542,117 10,740,281 8,723,942 640,701 12,512 20,713,315 Loans and advances to customer 11,271,204 123,503,143 117,101,333 152,555,108 38,944,000 47,255,240 490,630,028 Derivatives 5,815 4,365,403 2,827,973 4,661,329 3,033,806 7,081,498 21,975,824 Balances with the Brazilian Central Bank 96,850,321 30,787,099 - - - - 127,637,420 Total 148,986,603 165,783,864 154,852,865 217,923,202 76,035,330 124,929,579 888,511,443 Liabilities: Financial liabilities at amortized cost: Deposits from credit institutions (1) 356,140 95,792,043 236,530 14,468,825 2,902,097 2,323,379 116,079,014 Customer deposits (1) 77,834,830 185,158,988 98,821,185 85,233,350 42,786,508 118,628 489,953,489 Marketable debt securities (1) 2,206,218 12,355,853 32,544,969 44,723,451 10,150,295 5,140,089 107,120,875 Debt Instruments Eligible to Compose Capital - 6,786,472 875,575 1,358,736 1,526,828 8,990,007 19,537,618 Other financial liabilities 185,609 35,253,913 3,660,383 23,346,129 87,904 59,166 62,593,104 Short positions - 144,261 3,083,821 4,575,483 5,395,593 8,848,265 22,047,423 Derivatives - 5,076,938 3,131,463 5,366,782 2,975,559 2,148,583 18,699,325 Total 80,582,797 340,568,468 142,353,926 179,072,756 65,824,784 27,628,117 836,030,848 Difference (assets less liabilities) 68,403,806 (174,784,604) 12,498,939 38,850,446 10,210,546 97,301,462 (52,480,595) 2021 Thousand of reais On Up to 3 to 1 to 3 to After 5 Total Assets: Cash 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 11,176,922 2,717,359 1,748,733 10,827,639 15,057 203 26,485,913 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 Balances with the Brazilian Central Bank 69,178,841 15,736,825 - - - - 84,915,666 Total 167,797,988 230,332,201 109,923,459 170,916,639 76,811,449 86,000,736 841,782,472 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 3,935,497 770,492 9,962,122 11,672,615 35,107,790 - 61,448,516 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 100,681,014 194,719,776 113,431,334 241,046,120 133,205,953 4,409,037 787,493,234 Difference (assets less liabilities) 67,116,974 35,612,425 (3,507,875) (70,129,481) (56,394,504) 81,591,699 54,289,238 2020 Thousand of reais On Up to 3 to 1 to 3 to After 5 Total Assets: Cash 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 - 2,777,562 35,728,322 15,155,444 363,135 48,101 54,072,564 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 Balances with the Brazilian Central Bank 58,777,212 57,354,806 - - - - 116,132,018 Total 95,969,084 180,942,971 165,376,503 182,035,130 119,576,048 98,900,945 842,800,681 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) 10,512,445 (120,920,281) (41,183,990) 51,853,948 74,501,441 85,583,549 60,347,112 (1) Includes obligations which may be subject to early payment, being: demand and time deposits, repurchase agreements with clients, LCI and LCA.
Schedule of main foreign currency balances	Schedule of main foreign currency balances Equivalent Value in Thousand of Reais 2022 2021 2020 Assets Liabilities Assets Liabilities Assets Liabilities Cash 10,657,125 - 10,851,016 - 15,835,124 - Financial ssets/liabilities measured at fair value through profit or loss held for trading 5,895,720 5,376,666 2,587,588 21,784,041 27,012,315 7,867,168 Financial assets measured at fair value through other comprehensive income 17,114,102 - 17,102,273 - 17,062,156 - Financial assets/liabilities measured at amortized cost 75,695,229 117,277,231 70,283,097 86,184,330 52,002,476 118,142,613 Total 109,362,176 122,653,897 100,823,974 107,968,371 111,912,070 126,009,781
[custom:TheTotalOfThFutureMinimumPaymentsOfNoncancellableOperatingLeasesTableTextBlock]	Schedule of future minimum payments of non-cancellable operating leases 2022 2021 2020 Up to 1 Year 284,945 715,576 670,619 Between 1 to 5 Years 1,044,715 1,420,853 1,607,995 More than 5 Years 224,536 181,417 171,420 Total 1,554,196 2,317,846 2,450,034

Business segment reporting (Tab

Business segment reporting (Tables)	12 Months Ended
	Dec. 31, 2022
Business Segment Reporting
Schedule of Income statements and other significant data	Schedule of Income statements and other significant data Thousand of reais 2022 (Condensed) Income Statement Commercial Banking Global Wholesale Banking Total NET INTEREST INCOME 45,617,896 1,885,281 47,503,177 Income from equity instruments 11,239 26,834 38,073 Income from companies accounted for by the equity method 147,676 51,503 199,179 Net fee and commission income 12,538,806 2,337,074 14,875,880 Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) (360,383) 5,059,609 4,699,226 Other operating expense (net) (718,459) (122,543) (841,002) TOTAL INCOME 57,236,775 9,237,758 66,474,533 Personnel expenses (8,985,721) (911,274) (9,896,995) Other administrative expenses (7,571,376) (771,742) (8,343,118) Depreciation and amortization (2,479,643) (105,859) (2,585,502) Provisions (net) (1,207,531) (7,959) (1,215,490) Impairment losses on financial assets (net) (23,682,848) (1,145,901) (24,828,749) Impairment losses on non-financial assets (net) (160,479) (955) (161,434) Other non-financial gains (losses) 131,482 - 131,482 OPERATING PROFIT BEFORE TAX (1) 13,280,659 6,294,068 19,574,727 Currency Hedge (1) (129,406) - (129,406) ADJUSTED OPERATING INCOME BEFORE TAX (1) 13,151,253 6,294,068 19,445,321 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 (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.
Schedule of other aggregates	Schedule of other aggregates 2022 Other aggregates: Commercial Banking Global Wholesale Banking Total Total assets 886,630,727 98,820,102 985,450,829 Loans and advances to customers 417,773,158 72,856,870 490,630,028 Customer deposits 356,744,926 133,208,563 489,953,489 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

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
	Dec. 31, 2022
Related Party Transactions
Schedule of Board of Directors’ and Executive Board’s	Schedule of Board of Directors’ and Executive Board’s Thousand of reais 2022 2021 2020 Fixed Compensation 115,680 96,544 90,889 Variable Compensation - in cash 117,730 115,627 83,352 Variable Compensation - in shares 87,702 94,607 81,306 Others (1) 61,294 67,883 47,832 Total Short-Term Benefits 382,406 374,661 303,379 Variable Compensation - in cash 95,398 101,837 98,407 Variable Compensation - in shares 99,827 109,918 97,729 Total Long-Term Benefits 195,225 211,755 196,136 Total (2) 577,631 586,416 499,515
Schedule of direct interest (common shares and preferred shares)	Schedule of direct interest (common shares and preferred shares) 2022 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. (GES) (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 (*) 4,444 0.1% 4,444 0.1% 8,888 0.1% Others 342,919 9.0% 370,723 10.1% 713,642 9.6% Total 3,787,533 99.2% 3,648,674 99.2% 7,436,207 99.2% Treasury shares 31,162 0.8% 31,162 0.8% 62,324 0.8% Total 3,818,695 100.0% 3,679,836 100.0% 7,498,531 100.0% Free Float (2) 342,919 9.0% 370,723 10.1% 713,642 9.5% 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. (GES) (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% 743,376 9.9% Total 3,802,940 99.6% 3,664,081 99.6% 7,467,021 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% 7,498,531 100.0% Free Float (2) 357,831 9.4% 385,545 10.5% 743,376 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. (GES) (1) 1,627,891 42.6% 1,539,863 41.8% 3,167,754 42.3% Banco Santander, S.A. (1) 2,696 0.07% - 0.0% 2,696 0.04% Employees 2,046 0.05% 2,046 0.06% 4,092 0.05% Administrators (*) 4,034 0.11% 4,034 0.11% 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% (1) Companies of the Santander Spain Group. (2) Composed of Employees and Others. (*) None of the members of the Board of Directors and the Executive Board holds 1.0% or more of any class of shares.
Schedule of Principal transactions and balances - Assets And Liabilities	Schedule of Principal transactions and balances - Assets And Liabilities Parent (1) Joint-controlled companies and Other Related Party (2) Key Management Personnel (3) Total 2022 2021 2022 2021 2022 2021 2022 2021 Assets 4,671,501 895,492 24,340,579 32,119,319 25,737 19,776 29,037,817 33,034,587 Derivatives Measured At Fair Value Through Profit Or Loss, Net (3,138,996) (3,043,904) 1,034,184 (73,209) - - (2,104,812) (3,117,113) Loans and other amounts with credit institutions - Availability and Applications in Foreign Currency (Overnight Applications) 7,800,513 3,930,078 21,408,097 27,591,391 - - 29,208,610 31,521,469 Loans and other values with customers - 109 1,795,084 3,550,601 16,380 20,034 1,811,464 3,570,744 Other Assets 9,984 9,209 103,214 1,050,536 - - 113,198 1,059,745 Warranties and Limits - - - - 9,357 (258) 9,357 (258) Liabilities (23,541,990) (25,832,894) (7,953,565) (8,844,861) (263,592) (821,529) (31,759,147) (35,499,284) Deposits from credit institutions (10,167,933) (11,178,490) (6,846,987) (7,866,308) - - (17,014,920) (19,044,798) Securities - - - - (201,054) (128,593) (201,054) (128,593) Customer deposits - - (904,926) (799,435) (31,040) (28,672) (935,966) (828,107) Other Liabilities - Dividends and Interest on Capital Payable - (564,786) - - - - - (564,786) Other Liabilities (201,380) (1,011) (201,652) (179,118) (31,498) (664,264) (434,530) (844,393) Debt Instruments Eligible for Capital (13,172,677) (14,088,607) - - - - (13,172,677) (14,088,607) 2022 2021 2022 2021 2022 2021 2022 2021 Income (1,217,332) (694,221) 1,620,385 1,673,360 18,223 (429,512) 421,276 549,638 Interest and similar income - Loans and amounts due from credit institutions 47,120 5,902 - 69,372 2,388 1,421 49,508 76,695 Warranties and Limits - - - - 37,769 63 37,769 63 Interest expense and similar charges - Customer deposits (111,024) (88,585) (276,809) (20,462) (22,685) (431,539) 410,518 (540,586) Fee and commission income (expense) - - 3,432,090 2,624,519 495 273 3,432,585 2,624,792 Gains (losses) on financial assets and liabilities and exchange differences (net) (88,674) 192,088 (1,011,261) (538,871) 256 270 (1,099,679) (346,502) Administrative expenses and amortization (201,359) (145,463) (523,635) (447,998) - - (724,994) (593,461) Result on disposal of assets not classified as non-current assets held for sale - - - - - - - - Debt Instruments Eligible for Capital (863,395) (658,163) - - - - (863,395) (658,163) Other Administrative expenses - Donation - - - 13,200 - - - (13,200) (1) Parent company - Banco Santander is controlled by Banco Santander Espanha (Note 1a), through its subsidiaries GES and Sterrebeeck B.V. (2) Companies listed in note 11. (3) Refers to the recording in clearing accounts of Guarantees and Limits of credit operations with Key Management Personnel.

Risk management (Tables)

Risk management (Tables)	12 Months Ended
	Dec. 31, 2022
Risk Management
Schedule of portfolio by internal risk rating levels and its probability of default	Schedule of portfolio by internal risk rating levels and its probability of default Thousand of reais 2022 2021 2020 By maturity Less than 1 Year 269,784,211 270,050,934 219,062,744 Between 1 and 5 years 177,488,141 160,932,317 147,013,817 More than 5 years 77,382,938 62,371,451 51,745,465 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026 By internal classification of risk Low 392,397,296 374,505,212 347,315,357 Medium-low 77,992,749 79,216,725 24,277,404 Medium 18,647,136 14,589,977 26,231,871 Medium-High 13,573,901 9,413,110 3,896,457 High 22,044,208 15,629,678 16,100,937 Loans and advances to customers, gross 524,655,290 493,354,702 417,822,026
Schedule of expected credit losses, measured using sufficient and available historical data	Schedule of expected credit losses, measured using sufficient and available historical data 2022 Probability of default Default loss Exposure Commercial and industrial 223,321,961 6% 41% Real Estate Credit - construction 58,242,768 5% 5% Individual loans 240,227,475 12% 49% Leasing 2,863,086 1% 26% 2021 Probability of default Default loss Exposure Commercial and industrial 247,674,251 6% 50% Real Estate Credit - construction 54,738,607 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%
Schedule of evolution of the main credit indicators	Schedule of evolution of the main credit indicators 2022 2021 2020 Credit risk exposure - customers (Thousand of Reais) 582,034,247 546,775,057 466,104,042 Loans and advances to customers, gross (note 9) 524,655,290 493,354,702 417,822,026 Contingent Liabilities - Guarantees and other sureties (note 43.a) 57,378,957 47,517,931 53,420,355 Non-performing loans ratio (%) - unaudited 7.50% 5.46% 5.55% Impairment coverage ratio (%) - unaudited 89.80% 110.40% 110.64% Specific credit loss provisions, net of RAWO (*) (Thousand of Reais) - unaudited 35,211,623 29,723,376 25,640,488 Cost of credit (% of risk) - unaudited 4.79% 3.73% 4.35% Data prepared on the basis of management criteria and the accounting criteria of the controller unit. (*) RAWO = Recoveries of Assets Derecognized.
Schedule of position of accounts subject to currency risk	Schedule of aggregates by product the cash flows of the operations of our perimeter of companies 2022 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 - - - - 3,957 3,957 Debt instruments - - - - 3,957 3,957 Financial assets measured at fair value in profit or loss for trading 5,032 5,565 3,054 26,272 25,998 65,921 Debt instruments 311 3,909 2,159 16,270 22,222 44,871 Equity instruments 19 2 3 25 - 49 Derivatives 4,702 1,654 892 9,977 3,776 21,001 Financial assets measured at fair value in other comprehensive income 37,965 4,045 1,579 39,131 22,466 105,186 Debt instruments 37,965 4,045 1,579 39,131 22,466 105,186 Financial Assets Measured at Amortized Cost 137,112 145,444 91,631 201,562 113,717 689,466 Loans and Other Amounts with Credit Institutions 77,825 900 1,878 1,989 - 82,592 Loans and advances to customers 56,937 138,981 82,676 171,664 96,884 547,142 Debt Instruments 2,350 5,563 7,077 27,909 16,833 59,732 Total 180,109 155,054 96,264 266,965 166,138 864,530 Remunerated Liabilities: Financial Liabilities Measured at Fair Value in income Held for Trading 21,891 1,444 1,552 8,425 3,417 36,729 Derivatives 4,892 1,444 1,552 8,425 3,417 19,730 Short Positions 16,999 - - - - 16,999 Financial liabilities at amortized cost 280,644 115,169 116,122 183,013 31,518 726,466 Deposits from the Central Bank of Brazil and deposits from credit institutions 22,451 40,711 18,007 8,710 7,903 97,782 Customer deposits 252,621 48,217 75,869 125,473 26 502,206 Bonds and securities 5,572 26,241 22,246 48,830 4,174 107,063 Debt Instruments Eligible to Capital - - - - 19,415 19,415 Total 302,535 116,613 117,674 191,438 34,935 763,195 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 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 Financial Assets Measured at Amortized Cost 135,081 131,966 96,793 178,655 102,292 644,787 Loans and Other Amounts with Credit Institutions 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 Interest-earning assets: Financial Assets Held For Trading - 153 50 250 1,747 2,200 Debt instruments - 153 50 250 1,747 2,200 Other Financial Assets At Fair Value Through Profit Or Loss 15,636 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 Financial Assets Measured At Fair Value Through Other Comprehensive Income 3,455 3,625 12,177 63,651 22,430 105,338 Debt instruments 3,383 3,625 12,177 63,651 22,430 105,266 Equity Instruments 72 - - - - 72 Financial Assets Measured at Amortized Cost 50,776 130,067 55,339 152,437 63,844 452,463 Loans and advances - Credit institutions 25,201 39,879 2,765 3,799 - 71,644 Loans and advances - Customers 25,490 88,071 50,829 134,805 61,795 360,990 Debt instruments 85 2,117 1,745 13,833 2,049 19,829 Total 70,306 152,332 72,433 273,429 105,728 674,228 Interest-bearing liabilities: Financial Liabilities Measured at Fair Value in 55,313 7,878 2,088 12,629 3,515 81,423 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 91,433 131,590 16,667 515,035 Deposits from the Central Bank of Brazil and 4,007 32,846 22,603 7,891 3,031 70,378 Customer deposits 163,297 44,035 61,293 98,867 203 367,695 Bonds and securities 7,544 23,616 7,537 24,832 313 63,842 Debt Instruments Eligible to Compose Capital - - - - 13,120 13,120 Total 230,161 108,375 93,521 144,219 20,182 596,458 Schedule of position of accounts subject to currency risk Currency Risk 2022 Position of accounts subject to currency risk In millions of Reais Asset: Dollar Euro Others Total Cash/Applications/Debt Instruments 180,331 3,156 3,922 187,409 Loans and advances to customers 4,515 3,818 463 8,796 Derivatives 261,584 10,126 7,702 279,412 Others 3,208 - - 3,208 Total 449,638 17,100 12,087 478,825 Liabilities: Dólar Euro Others Total Funding in foreign currency 116,957 1,676 1,668 120,301 Derivatives 202,299 14,361 9,571 226,231 Others 132,513 996 815 134,324 Total 451,769 17,033 12,054 480,856 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 Investments in Foreign Subsidiaries and Dependence - - - - Derivatives 289,245 14,190 8,011 311,446 Others 1,251 - - 1,251 Total 410,046 17,745 13,782 441,573 Liabilities: Dólar 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 2,912 109,702 Total 412,115 17,693 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: Dólar Euro Outros Total Funding in foreign currency 61,173 384 - 61,557 Derivatives 147,911 14,449 2,854 165,214 Others 39,972 219 437 40,628 Total 249,056 15,052 3,291 267,400
Schedule of position of accounts subject to currency risk	Schedule of position of accounts subject to currency risk Currency Risk 2022 Position of accounts subject to currency risk In millions of Reais Asset: Dollar Euro Others Total Cash/Applications/Debt Instruments 180,331 3,156 3,922 187,409 Loans and advances to customers 4,515 3,818 463 8,796 Derivatives 261,584 10,126 7,702 279,412 Others 3,208 - - 3,208 Total 449,638 17,100 12,087 478,825 Liabilities: Dólar Euro Others Total Funding in foreign currency 116,957 1,676 1,668 120,301 Derivatives 202,299 14,361 9,571 226,231 Others 132,513 996 815 134,324 Total 451,769 17,033 12,054 480,856 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 Investments in Foreign Subsidiaries and Dependence - - - - Derivatives 289,245 14,190 8,011 311,446 Others 1,251 - - 1,251 Total 410,046 17,745 13,782 441,573 Liabilities: Dólar 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 2,912 109,702 Total 412,115 17,693 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: Dólar Euro Outros Total Funding in foreign currency 61,173 384 - 61,557 Derivatives 147,911 14,449 2,854 165,214 Others 39,972 219 437 40,628 Total 249,056 15,052 3,291 267,400
Schedule of highlighting the increasing of time deposit funding and the keeping of financial letters	Schedule of highlighting the increasing of time deposit funding and the keeping of financial letters In millions of Reais Customers Funding 2022 2021 0 to 30 days Total % 0 to 30 days Total % Demand deposits 31,351 31,351 100% 39,574 39,574 100% Savings accounts 60,204 60,204 100% 65,220 65,220 100% Time deposits 95,523 338,007 28% 92,496 308,950 30% Interbank deposit 1,043 4,010 26% 763 4,001 19% Funds from acceptances and issuance of securities 6,139 122,916 5% 5,621 88,089 6% Borrowings and Onlendings 7,081 76,749 9% - 90,709 0% Subordinated Debts / Debt Instruments Eligible to Compose Capital - 19,538 0% - 19,641 0% Total 201,341 652,775 31% 203,674 616,184 33% In millions of Reais Customers Funding 2020 0 to 30 days Total % Demand deposits 35,550 35,550 100% Savings accounts 62,210 62,210 100% Time deposits 77,298 279,778 28% Interbank deposit 818 5,145 16% Funds from acceptances and issuance of securities 7,544 70,628 11% Borrowings and Onlendings 3,189 67,760 5% Subordinated Debts / Debt Instruments Eligible to Compose Capital - 13,120 0% Total 186,609 534,191 35%
Schedule of assets and liabilities in accordance with the remaining contractual maturities, considering the undiscounted flows	Schedule of assets and liabilities in accordance with the remaining contractual maturities, considering the undiscounted flows 2022 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 - - - - 3,957 3,957 Debt instruments - - - - 3,957 3,957 Financial assets measured at fair value in profit or loss for trading 5,032 5,526 2,978 23,846 13,617 50,999 Debt instruments 311 3,870 2,083 13,844 9,841 29,949 Equity Instruments 19 2 3 25 - 49 Derivatives 4,702 1,654 892 9,977 3,776 21,001 Financial assets measured at fair value in other comprehensive income 37,925 4,040 1,550 33,176 9,116 85,807 Debt instruments 37,925 4,040 1,550 33,176 9,116 85,807 Financial assets measured at amortized cost 113,466 103,419 70,435 185,653 86,193 559,166 Loans and Other Amounts with Credit 77,739 888 1,777 1,815 - 82,219 Loans and advances to customers 33,386 97,202 62,102 158,805 80,378 431,873 Debt instruments 2,341 5,329 6,556 25,033 5,815 45,074 Total 156,423 112,985 74,963 242,675 112,883 699,929 Remunerated Liabilities: Financial Liabilities Measured at Fair Value in 21,891 1,444 1,552 8,425 3,417 36,729 Derivatives 4,892 1,444 1,552 8,425 3,417 19,730 Short positions 16,999 - - - - 16,999 Financial liabilities at amortized cost 280,644 115,169 116,122 183,013 31,518 726,466 Deposits from the Central Bank of Brazil and 22,451 40,711 18,007 8,710 7,903 97,782 Customer deposits 252,621 48,217 75,869 125,473 26 502,206 Bonds and securities 5,572 26,241 22,246 48,830 4,174 107,063 Debt Instruments Eligible to Capital - - - - 19,415 19,415 Total 302,535 116,613 117,674 191,438 34,935 763,195 2021 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 - - - - 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 16,365 8,023 39,189 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 21,353 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 15,833 125,634 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 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 46,309 Total 168,915 104,053 87,907 239,194 105,032 705,102 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 33,714 46,465 25,626 10,610 2,742 119,157 Customer deposits 252,070 48,364 67,467 105,690 23 473,614 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 Held For Trading - 174 98 667 2,900 3,839 Debt instruments - 174 98 667 2,900 3,839 Other financial assets at fair value through profit or loss 16,029 19,211 5,763 63,618 25,488 130,109 Debt instruments 3,873 12,513 4,046 53,814 21,859 96,105 Equity instruments 1,164 - - - - 1,164 Derivatives 10,992 6,698 1,717 9,804 3,629 32,840 Non-Tranding Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss 439 - - - - 439 Equity instruments 439 - - - - 439 Financial assets measured at fair value in other comprehensive income 5,000 3,874 13,850 75,849 35,538 134,111 Debt instruments 4,928 3,874 13,850 75,849 35,538 134,039 Equity Instruments 72 - - - - 72 Financial Assets Measured at Amortized Cost 53,147 145,279 69,004 208,295 135,782 611,507 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 Interest-bearing liabilities: Financial assets measured at fair value in other comprehensive income 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 Compose Capital - - - - 13,120 13,120 Total 231,536 108,989 95,191 158,560 19,986 614,262
Schedule of quantitative risk analysis	Schedule of quantitative risk analysis Million of Reais 2022 2021 2020 Sensibilities Net Interest Margin 954 553 432 Market Value of Equity 2,154 1,675 1,771 Value at Risk - Balance VaR 971 791 1,365
Schedule of trading portfolio	Schedule of trading portfolio Thousand of Brazilian Reais 2022 Risk Factor Description Scenario 1 Scenario 2 Scenario 3 Interest Rate - Reais Exposures subject to changes in interest fixed rate (3,551) (118,932) (237,864) Coupon Interest Rate Exposures subject to changes in coupon rate of interest rate (133) (2,163) (4,327) Coupon - US Dollar Exposures subject to changes in coupon US Dollar rate (338) (1,090) (2,180) Coupon - Other Currencies Exposures subject to changes in coupon foreign currency rate (3,201) (11,599) (23,198) Foreign currency Exposures subject to foreign exchange (4,779) (119,468) (238,936) Eurobond/Treasury/Global Exposures subject to Interest Rate Variation on Papers Traded on the International Market (598) (7,856) (15,712) Inflation Exposures subject to change in coupon rates of price indexes (10,476) (117,218) (234,436) Shares and Indexes Exposures subject to change in shares price (428) (10,688) (21,375) Commodities Exposures subject to change in commodities' prices (588) (14,688) (29,376) Total (1) (24,092) (403,702) (807,404) (1) Amounts net of taxes.
Schedule of portfolio banking	Schedule of portfolio banking Thousand of Brazilian Reais 2022 Risk Factor Description Scenario 1 Scenario 2 Scenario 3 Interest Rate - Reais Exposures subject to changes in interest fixed rate (73,235) (2,799,153) (5,864,517) TR and Long-Term Interest Rate (TJLP) Exposures subject to TR and TJLP Coupon Variation (8,008) (220,681) (404,026) Inflation Exposures subject to change in coupon rates of price indexes (39,332) (629,260) (1,159,017) Coupon - US Dollar Exposures subject to changes in coupon US Dollar rate (13,644) (148,985) (288,282) Coupon - Other Currencies Exposures subject to changes in coupon foreign currency rate (399) (5,284) (11,041) International Market Interest Rate Exposures subject to Variation in the Interest Rate of Securities Traded in the International Market (25,479) (290,429) (601,714) Foreign currency Exposures subject to foreign exchange (422) (10,539) (21,079) Total (1) (160,519) (4,104,331) (8,349,676) (1) Amounts net of taxes.
Schedule of economic capital model	Schedule of economic capital model % Capital 2022 2021 2020 Risk Type New Methodology New Methodology New Methodology Credit 55% 62% 69% Market 2% 2% 2% ALM 7% 6% 2% Business 9% 7% 3% Operational 4% 7% 6% Fixed Assets 1% 1% 2% Intangible Assets 3% 5% 5% Pension Funds 1% 1% 2% Deferred Tax Assets 18% 9% 9% TOTAL 100% 100% 100%

RECONCILIATION OF STOCKHOLDER_2

RECONCILIATION OF STOCKHOLDERS’ EQUITY AND NET INCOME - BRGAAP vs IFRS (Tables)	12 Months Ended
	Dec. 31, 2022
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: Schedule of conciliation of stockholders' equity and net income attributed to the parent between standards adopted in Brazil (BRGAAP) and IFRS Thousand of Reais Note 2022 2021 2020 Stockholders' equity attributed under to the Parent Brazilian GAAP 82,061,915 78,739,563 78,968,183 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss h (54,801) (103,386) (882) Reclassification of fair value through other comprehensive income i (33) 182,094 (522,107) Impairment of financial assets measured at amortized cost a (816,600) (1,468,494) (635,194) Remensurations, Debt instruments, due to reclassifications IFRS 9 - - 907 Category transfers - IFRS 9 b (219,671) (141,260) 357,972 Deferral of financial fees, commissions and inherent costs under effective interest rate method c 1,493,810 1,549,438 1,324,853 Reversal of goodwill amortization d 27,136,573 26,709,187 27,527,699 Realization on purchase price adjustments e 594,784 603,544 615,953 Option for Acquisition of Equity Instrument f (798,016) (763,988) (1,744,336) Santander Serviços goodwill (Santusa) g (298,978) (179,387) (209,285) Reversal of Provision PIS Law 9,718 j 980,212 - - Others 103,640 512,835 93,224 Stockholders' equity attributed to the parent under IFRS 110,182,834 105,640,146 105,776,987 Non-controlling interest under IFRS 497,342 334,349 312,885 Stockholders' equity (including non-controlling interest) under IFRS 110,680,176 105,974,495 106,089,872 Thousand of Reais Note 2022 2021 2020 Net income attributed to the Parent under Brazilian GAAP 12,570,191 14,987,716 13,469,380 IFRS adjustments, net of taxes, when applicable: Reclassification of financial instruments at fair value through profit or loss h (9,826) (83,995) (27,428) Reclassification of fair value through other comprehensive income i (177,887) 45,826 68,960 Impairment of financial assets measured at amortized cost a 805,578 (1,028,937) (498,778) Remensurations, Debt instruments, due to reclassifications IFRS 9 - - 907 Category transfers - IFRS 9 b 14,722 126,520 (78,057) Deferral of financial fees, commissions and inherent costs under effective interest rate method c (90,260) 215,525 185,478 Reversal of goodwill amortization d 96,162 29,658 145,903 Realization on purchase price adjustments e (8,760) (17,758) (5,348) Option to Acquire Own Equity Instrument f 184,810 1,180,949 318,929 Santander Serviços goodwill (Santusa) g - 29,898 29,898 Tax credit with realization over 10 years - - (184,005) Reversal of Provision PIS Law 9,718 j 980,212 - - Others (77,849) 42,648 (7,311) Net income attributed to the parent under IFRS 14,287,093 15,528,051 13,418,528 Non-controlling interest under IFRS 52,382 31,272 32,224 Net income (including non-controlling interest) under IFRS 14,339,475 15,559,323 13,450,752

STATEMENTS OF VALUE ADDED (Tabl

STATEMENTS OF VALUE ADDED (Tables)	12 Months Ended
	Dec. 31, 2022
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.	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. Schedule of statements of value added is not required under IFRS 2022 2021 2020 Thousand of Reais Interest and similar income 115,225,118 77,987,308 62,774,940 Net fee and commission income 14,875,880 15,273,301 16,228,214 Impairment losses on financial assets (net) (24,828,749) (17,112,734) (17,450,188) Other income and expense 2,174,855 (3,843,999) (5,012,403) Interest expense and similar charges (67,721,941) (28,885,478) (18,332,228) Third-party input (8,207,227) (8,078,399) (7,946,539) Materials, energy and others (895,734) (713,400) (641,831) Third-party services (6,317,067) (6,231,129) (6,424,755) Impairment of assets (161,434) (165,799) (84,908) Other (832,992) (968,071) (795,045) Gross added value 31,517,936 35,339,999 30,261,796 Retention Depreciation and amortization (2,585,502) (2,433,921) (2,579,127) Added value produced 28,932,434 32,906,078 27,682,669 Investments in affiliates and subsidiaries 199,179 144,184 112,261 Added value to distribute 29,131,613 33,050,262 27,794,930 Added value distribution Employee 9,894,413 34.0% 8,045,893 24.3% 7,943,711 28.6% Compensation 6,351,116 5,929,439 5,749,669 Benefits 1,737,282 1,593,386 1,514,611 Government severance indemnity funds for employees - FGTS 2,221 431,249 448,457 Other 1,803,794 91,819 230,974 Taxes 4,749,350 16.3% 9,269,368 28.0% 6,298,717 22.7% Federal 4,625,498 8,332,994 10,088,318 State 123,852 813 (830,771) Municipal - 935,561 (2,958,830) Compensation of third-party capital - rental 148,375 0.5% 175,677 0.5% 101,749 0.4% Remuneration of interest on capital 14,339,475 49.2% 15,559,324 47.2% 13,450,753 48.4% Dividends and interest on capital 8,100,000 9,649,000 3,837,085 Profit Reinvestment 6,187,093 5,879,052 9,581,444 Profit (loss) attributable to non-controlling interests 52,382 31,272 32,224 Total 29,131,613 100.0% 33,050,262 100.0% 27,794,930 100.0%

Accounting policies and metho_4

Accounting policies and method of measurement (Details) - Derivatives [member] - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Financial assets, gross	R$ 22433990	R$ 21575848	R$ 26808180
Financial assets offset in the balance sheet, gross	(458,166)	(435,925)	(560,666)
Financial assets offset in the balance sheet, net	21,975,824	21,139,923	26,247,514
Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements	19,157,491	25,054,906	29,917,498
Financial liabilities offset in balance sheet, gross	(458,166)	(435,925)	(560,666)
Financial liabilities offse tin the balance sheet, net	R$ 18699325	R$ 24618981	R$ 29356832

Accounting policies and metho_5

Accounting policies and method of measurement (Details 1)	Dec. 31, 2022
Accounting Policies And Method Of Measurement
Until 3 months	0.94%
From 3 to 12 months	4%
From 1 to 3 years	3%
From 3 to 5 years	3%
More than 5 years	3%

Accounting policies and metho_6

Accounting policies and method of measurement (Details 2)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2022
Accounting Policies And Method Of Measurement
Buildings for own use		4%
Furniture		10%
Fixtures		10%
Office and IT equipment		20%
Leasehold improvements	4% or up to contractual maturity

Accounting policies and metho_7

Accounting policies and method of measurement (Details Narrative) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accounting Policies And Method Of Measurement
Lat additional technical provisions	R$ 131831	R$ 209277	R$ 285554

Basis of consolidation (Details

Basis of consolidation (Details) shares in Thousands, R$ in Thousands	12 Months Ended
	Dec. 31, 2022 BRL (R$) shares
Banco Santander Brasil S A [Member] | Atual Servicosde Recuperacaode Creditos Meios Digitais S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Financial
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 50159
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Banco Santander Brasil S A [Member] | Aymore Credit Financiamen To Investimen To S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Means of Payment
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 90000
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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$ 10001
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Banco Santander Brasil S A [Member] | Esfera Fidelidade S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Tecnology
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 381
Direct participation	80%
Proportion of ownership interest in subsidiary	80%
Banco Santander Brasil S A [Member] | Gestao Integradade Recebiveisdo Agronegocio S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Collection Management and Credit Recovery
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 257306
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Banco Santander Brasil S A [Member] | Rojo Entretenimento S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Collection Management and Credit Recovery
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 31857
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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$ 7417
Direct participation	94.60%
Proportion of ownership interest in subsidiary	94.60%
Banco Santander Brasil S A [Member] | Sancap Investimentos E Participacoes S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 30988
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Banco Santander Brasil S A [Member] | Santander Brasil Administradora De Consorcio Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Holding
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 23538159
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Banco Santander Brasil S A [Member] | Santander Brasil Tecnologia S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Buying Club
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 575670
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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
Direct participation	99.99%
Proportion of ownership interest in subsidiary	99.99%
Quantity of Shares or Quotas Owned - Preferred Shares | shares	14,067,640
Banco Santander Brasil S A [Member] | Santander Corretora De Seguros Investimentos Servicos S A Santander Corretora De Seguros [Member]
IfrsStatementLineItems [Line Items]
Activity	Broker
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 7184
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Banco Santander Brasil S A [Member] | Santander Leasing S A Arrendamento Mercantil [Member]
IfrsStatementLineItems [Line Items]
Activity	Leasing
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 164
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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$ 241941
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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$ 192000
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Aymore C F I [Member] | Bank P S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Bank
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 105
Direct participation	50%
Proportion of ownership interest in subsidiary	50%
Aymore C F I [Member] | Bank Hyundai Capital Brasil S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Bank
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 150000
Direct participation	50%
Proportion of ownership interest in subsidiary	50%
Aymore C F I [Member] | Solutions 4 Fleet [Member]
IfrsStatementLineItems [Line Items]
Activity	Tecnology
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 328
Direct participation	80%
Proportion of ownership interest in subsidiary	80%
Controlled By Santander Leasing [Member] | Bank Bandepe S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Bank
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 3589
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Controlled By Santander Leasing [Member] | P I Distribuidora De Titulos E Valores Mobiliarios S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Distributor
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 461
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Sancap [Member] | Santander Capitalizacao S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Capitalization
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 64615
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
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
Direct participation	100%
Proportion of ownership interest in subsidiary	100%
Sancap [Member] | Summer Empreendimentos Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Other Activities
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 17084
Direct participation	0%
Proportion of ownership interest in subsidiary	100%
Sancap [Member] | Ape Tecnologiae Negocios Imobiliarios S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Technology
Direct participation	0%
Proportion of ownership interest in subsidiary	90%
Quantity Of Shares Or Quotas Owned Common Shares And Quotas	R$ 3808
Controlling Entity Controlled By Santander Corretora De Titulos De Valores Mobiliarios Ltda [Member] | Toro Corretorade Titulose Valores Mobiliarios Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Broker
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 21726
Direct participation	0%
Proportion of ownership interest in subsidiary	63%
Controlling Entity Controlled By Santander Corretora De Titulos De Valores Mobiliarios Ltda [Member] | Toro Investimentos S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Investments
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 44101
Direct participation	0%
Proportion of ownership interest in subsidiary	14.78%
Controlling Entity Controlled By Toro Corretora De Titulos De Valores Mobiliarios Ltda [Member] | Toro Investimentos S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Investments
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 228461
Direct participation	0%
Proportion of ownership interest in subsidiary	76.55%
Jointly Controlled Companies By Sancap [Member] | Santander Auto S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Technology
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 22452
Direct participation	0%
Proportion of ownership interest in subsidiary	50%
Controlled By Toro Investimentos S A [Member] | Monetus Investimentos S A [Member]
IfrsStatementLineItems [Line Items]
Activity	Investments
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 918264
Direct participation	0%
Proportion of ownership interest in subsidiary	100%
Controlled By Toro Investimentos S A [Member] | Mobills Labs Solucoesem Tecnologia Ltda. [Member]
IfrsStatementLineItems [Line Items]
Activity	Technology
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 1122000
Direct participation	0%
Proportion of ownership interest in subsidiary	100%
Controlled By Mobillis Labs Solucoesem Tecnologia Ltda [Member] | Mob Solucoesem Tecnologia Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Technology
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 20
Direct participation	0%
Proportion of ownership interest in subsidiary	100%
Controlled By Monetus Investimentos S A [Member] | Mobills Corretora De Seguros Ltda [Member]
IfrsStatementLineItems [Line Items]
Activity	Broker
Quantity of Shares or Quotas Owned - Common Shares and Quotas	R$ 510
Direct participation	0%
Proportion of ownership interest in subsidiary	100%

Cash and balances with the Br_3

Cash and balances with the Brazilian Central Bank (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash And Balances With Brazilian Central Bank
Cash	R$ 4001885	R$ 4026282	R$ 4266197
Cash and Foreign currency application abroad	18,001,554	12,630,919	15,882,528
Compromised operations	27,344,519	15,055,356	7,306,408
Interbank Deposit Applications (CDI)	217,376	956,192	991,675
Total	R$ 49565334	R$ 32668749	R$ 28446808

Loans and amounts due from cr_3

Loans and amounts due from credit institutions (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Amounts Due From Credit Institutions
Financial Assets Measured At Amortized Cost		R$ 20713315	R$ 26485913	R$ 54072564
Of which:
Loans and amounts due from credit institutions, gross		20,725,914	26,507,738	54,081,629
Impairment losses (note 9.c)		(12,599)	(21,825)	(9,065)
Loans and amounts due from credit institutions, net		20,713,315	26,485,913	54,072,564
Loans and amounts due from credit institutions, gross		20,725,914	26,507,738	54,081,629
Type:
Time deposits		7,655,416	9,255,101	9,059,204
Reverse repurchase agreements	[1]	2,430,956	4,129,438	699,035
Escrow deposits		10,267,493	10,200,137	10,773,280
Other accounts		372,049	2,923,062	33,550,110
Total		R$ 20725914	R$ 26507738	R$ 54081629
[1]Guaranteed by debt instruments.

Loans and amounts due from cr_4

Loans and amounts due from credit institutions (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Amounts Due From Credit Institutions
Brazilian Real	R$ 19796533	R$ 23669165	R$ 51088578
US dollar	676,709	2,445,781	2,778,913
Euro	252,672	392,793	214,138
Total	R$ 20725914	R$ 26507739	R$ 54081629

Schedule of Cash equivalents (D

Schedule of Cash equivalents (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash equivalents:
Short-term transactions and low risk of change in its value	R$ 2617866	R$ 4856771	R$ 1690709

Debt instruments (Details)

Debt instruments (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt Instruments
Financial Assets Measured At Fair Value Through Profit Or Loss		R$ 3956833	R$ 3122017	R$ 3545660
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading		62,234,621	47,752,595	68,520,799
Financial Assets Measured At Fair Value Through Other Comprehensive Income		55,392,178	101,212,600	109,668,214
Financial Assets Measured At Amortized Cost		81,329,013	73,125,011	48,367,791
Of which:
Debt Instruments		82,502,775	74,315,903	49,945,226
Provision for losses due to non-recovery ("impairment") (note 9.c)		(1,173,762)	(1,190,892)	(1,577,435)
Total		202,912,645	225,212,223	230,102,464
Type:
Government securities - Brazil	[1]	142,748,873	171,436,589	191,896,439
Debentures and Promissory notes		28,251,227	19,881,934	17,071,856
Other debt securities		31,912,545	33,893,700	21,134,169
Total		R$ 202912645	R$ 225212223	R$ 230102464
[1]Includes, substantially, National Treasury Bills (LTN), Treasury Bills (LFT) e National Treasury Notes (NTN-A, NTN-B, NTN-C e NTN-F).

Debt instruments (Details 1)

Debt instruments (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt Instruments
Brazilian Real	R$ 185814293	R$ 208599863	R$ 207752590
US dollar	17,098,352	16,612,360	22,292,647
Euro			57,227
Total	R$ 202912645	R$ 225212223	R$ 230102464

Debt instruments (Details 2)

Debt instruments (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt Instruments
Repo Operations	R$ 60633943	R$ 76211049	R$ 101371733
Operations guarantees in B3 S.A. - Brasil, Bolsa, Balcão (B3 S.A.)	19,251,597	19,470,624	12,963,251
Associated to judiciary deposits and other guarantees	15,235,912	23,291,528	9,665,135
Total	R$ 95121452	R$ 118973201	R$ 124000119

Equity instruments (Details)

Equity instruments (Details) - BRL (R$)		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Equity Instruments
Financial Assets Measured At Fair Value Through Profit or Loss Held For Trading		R$ 2365229000	R$ 2020610000	R$ 1818276000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss		240,050,000	477,707,000	438,912,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income		33,493,000	29,187,000	72,173,000
Total		2,638,772,000	2,527,504,000	2,329,361,000
Type:
Shares of Brazilian companies		1,458,883,000	1,869,824,000	1,953,128,000
Shares of foreign companies		60,235,000	48,825,000	13,617,000
Investment funds	[1]	1,119,654,000	608,855,000	362,616,000
Total		R$ 2638772000	R$ 2527504000	R$ 2329361000
[1]Composed mainly by investment on fixed income, public and private securities.

Equity instruments (Details 1)

Equity instruments (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Equity Instruments
Balance at beginning of year	R$ 2020610	R$ 1818276	R$ 2029470
Net additions (disposals)	344,619	202,334	(211,194)
Balance at end of year	R$ 2365229	R$ 2020610	R$ 1818276

Equity instruments (Details 2)

Equity instruments (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Equity Instruments
Balance at beginning of year	R$ 477707	R$ 438912	R$ 171453
Net additions (disposals)	(237,657)	38,795	267,459
Balance at end of year	R$ 240050	R$ 477707	R$ 438912

Equity instruments (Details 3)

Equity instruments (Details 3) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Equity Instruments
Balance at beginning of year	R$ 29187	R$ 72173	R$ 157306
Net additions (disposals)	4,306	(42,986)	(85,133)
Balance at end of year	R$ 33493	R$ 29187	R$ 72173

Derivative financial instrume_3

Derivative financial instruments and Short positions (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Swap Differentials Receivable	R$ 13815247	R$ 7641355	R$ 14729642
Option Premiums to Exercise	1,419,279	1,385,889	4,974,618
Forward Contracts and Others	6,741,298	12,112,679	6,543,254
Trading Derivative And Used As Hedge Assets Total	21,975,824	21,139,923	26,247,514
Swap Differentials Payable	11,212,030	8,538,705	18,327,611
Option Premiums Launched	1,894,522	2,256,244	4,926,994
Forward Contracts and Others	5,592,773	13,824,032	6,102,227
Trading Derivative And Used As Hedge Liabilities Total	18,699,325	R$ 24618981	29,356,832
Original [Member]
IfrsStatementLineItems [Line Items]
Swap Differentials Receivable			14,729,642
Option Premiums to Exercise			4,974,618
Forward Contracts and Others	R$ 9166360
Trading Derivative And Used As Hedge Assets Total			28,870,620
Swap Differentials Payable			18,327,611
Option Premiums Launched			4,926,994
Forward Contracts and Others			8,725,333
Trading Derivative And Used As Hedge Liabilities Total			31,979,938
Adjustment [Member]
IfrsStatementLineItems [Line Items]
Swap Differentials Receivable
Option Premiums to Exercise
Forward Contracts and Others			(2,623,106)
Trading Derivative And Used As Hedge Assets Total			(2,623,106)
Swap Differentials Payable
Option Premiums Launched
Forward Contracts and Others			(2,623,106)
Trading Derivative And Used As Hedge Liabilities Total			R$ 2623106

Derivative financial instrume_4

Derivative financial instruments and Short positions (Details 1) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Swap contract [member]
IfrsStatementLineItems [Line Items]
[custom:NotionalAmount1-0]	R$ 779023280000	R$ 837762019000	R$ 398925842000
Curve value	(3,682,261,000)	(1,804,744,000)	(3,076,947,000)
Financial assets, at fair value	2,603,217,000	(897,350,000)	(3,597,969,000)
Notional amount	393,351,898,000		278,752,387,000
Swap contract [member] | Assets [Member]
IfrsStatementLineItems [Line Items]
Curve value	11,857,946,000	13,162,674,000	6,249,519,000
Financial assets, at fair value	13,815,247,000	7,641,355,000	14,729,642,000
Notional amount	393,351,898,000	418,137,448,000	278,752,387,000
Swap contract [member] | Assets [Member] | CDI (Interbank Deposit Rates) [Member]
IfrsStatementLineItems [Line Items]
Curve value	3,624,970,000	318,541,000	326,586,000
Financial assets, at fair value	5,069,441,000	(778,177,000)	3,010,880,000
Notional amount	85,498,232,000	66,837,268,000	41,316,315,000
Swap contract [member] | Assets [Member] | Fixed Interest Rate - Real [Member]
IfrsStatementLineItems [Line Items]
Curve value	772,985,000	9,269,271,000	4,013,563,000
Financial assets, at fair value	4,902,157,000	6,412,471,000	9,607,342,000
Notional amount	186,961,127,000	231,741,021,000	54,159,848,000
Swap contract [member] | Assets [Member] | Indexed to Price and Interest Rates [Member]
IfrsStatementLineItems [Line Items]
Curve value	22,536,000
Financial assets, at fair value	14,225,000	(234,488,000)
Notional amount	182,645,000	2,089,110,000	5,124,411,000
Swap contract [member] | Assets [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Curve value	1,292,203,000	799,550,000	959,322,000
Financial assets, at fair value	4,764,609,000	2,003,728,000	1,039,529,000
Notional amount	116,577,474,000	91,837,446,000	178,076,136,000
Swap contract [member] | Assets [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	145,252,000	2,775,313,000	950,048,000
Financial assets, at fair value	(935,185,000)	237,822,000	1,071,891,000
Notional amount	4,132,420,000	25,632,603,000	75,676,000
Swap contract [member] | Liabilities [Member]
IfrsStatementLineItems [Line Items]
Curve value	(15,540,207,000)	(14,967,418,000)	(9,326,465,000)
Financial assets, at fair value	(11,212,030,000)	(8,538,705,000)	(18,327,611,000)
Notional amount	385,671,382,000	419,624,571,000	120,173,455,000
Swap contract [member] | Liabilities [Member] | CDI (Interbank Deposit Rates) [Member]
IfrsStatementLineItems [Line Items]
Curve value	(4,057,095,000)	(4,171,481,000)	(6,911,748,000)
Financial assets, at fair value	(4,363,542,000)	(12,327,484,000)	(13,693,733,000)
Notional amount	79,217,799,000	321,402,883,000	33,239,801,000
Swap contract [member] | Liabilities [Member] | Fixed Interest Rate - Real [Member]
IfrsStatementLineItems [Line Items]
Curve value	(8,512,023,000)	(6,760,576,000)	(2,183,507,000)
Financial assets, at fair value	(4,347,433,000)	2,467,425,000	(2,772,479,000)
Notional amount	210,472,552,000	48,874,762,000	45,088,689,000
Swap contract [member] | Liabilities [Member] | Indexed to Price and Interest Rates [Member]
IfrsStatementLineItems [Line Items]
Curve value	(166,138,000)
Financial assets, at fair value	(87,692,000)	(728,677,000)	(450,958,000)
Notional amount	626,129,000	22,827,336,000	33,026,692,000
Swap contract [member] | Liabilities [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Curve value	(2,804,302,000)	(28,407,000)	(25,000)
Financial assets, at fair value	(3,494,263,000)	2,287,852,000	153,695,000
Notional amount	91,303,383,000	887,129,000	6,636,885,000
Swap contract [member] | Liabilities [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	(649,000)	(4,006,955,000)	(231,186,000)
Financial assets, at fair value	1,080,900,000	(237,822,000)	(1,564,135,000)
Notional amount	4,051,519,000	25,632,461,000	2,181,388,000
Option contract [member]
IfrsStatementLineItems [Line Items]
Curve value	(877,100,000)	(595,345,000)	(282,110,000)
Financial assets, at fair value	(475,243,000)	(870,355,000)	47,624,000
Notional amount	1,150,540,616,000	1,130,172,099,000	2,043,286,085,000
Option contract [member] | Purchased Position [Member]
IfrsStatementLineItems [Line Items]
Curve value	2,243,354,000	1,240,879,000	1,869,806,000
Financial assets, at fair value	1,419,279,000	1,385,889,000	4,974,618,000
Notional amount	600,275,162,000	564,829,758,000	1,006,266,897,000
Option contract [member] | Purchased Position [Member] | Call Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	440,097,000	271,464,000	47,898,000
Financial assets, at fair value	214,722,000	382,237,000	39,202,000
Notional amount	10,629,479,000	9,898,179,000	1,188,387,000
Option contract [member] | Purchased Position [Member] | Put Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	122,896,000	140,280,000	79,019,000
Financial assets, at fair value	124,163,000	187,123,000	109,075,000
Notional amount	4,474,015,000	4,094,316,000	1,948,673,000
Option contract [member] | Purchased Position [Member] | Call Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	674,574,000	459,995,000	558,794,000
Financial assets, at fair value	577,487,000	510,977,000	1,093,583,000
Notional amount	94,414,288,000	31,248,540,000	134,761,947,000
Option contract [member] | Purchased Position [Member] | Call Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	608,913,000	444,446,000	557,167,000
Financial assets, at fair value	555,707,000	495,214,000	556,039,000
Notional amount	92,324,275,000	28,499,055,000	101,421,659,000
Option contract [member] | Purchased Position [Member] | Call Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	65,661,000	15,549,000	1,627,000
Financial assets, at fair value	21,780,000	15,763,000	537,544,000
Notional amount	2,090,013,000	2,749,485,000	33,340,288,000
Option contract [member] | Purchased Position [Member] | Put Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	1,005,787,000	369,140,000	1,184,095,000
Financial assets, at fair value	502,907,000	305,553,000	3,732,758,000
Notional amount	490,757,380,000	519,588,723,000	868,367,889,000
Option contract [member] | Purchased Position [Member] | Put Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	980,433,000	369,140,000	1,183,630,000
Financial assets, at fair value	480,682,000	305,553,000	3,729,297,000
Notional amount	490,535,950,000	519,588,723,000	864,852,555,000
Option contract [member] | Purchased Position [Member] | Put Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	25,354,000		464,000
Financial assets, at fair value	22,225,000		3,461,000
Notional amount	221,430,000		3,515,334,000
Option contract [member] | Sold Position [Member]
IfrsStatementLineItems [Line Items]
Curve value	(3,120,454,000)	(1,836,224,000)	(2,151,915,000)
Financial assets, at fair value	(1,894,522,000)	(2,256,244,000)	(4,926,994,000)
Notional amount	550,265,454,000	565,342,341,000	1,037,019,188,000
Option contract [member] | Sold Position [Member] | Call Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	(292,212,000)	(170,553,000)	(70,201,000)
Financial assets, at fair value	(165,919,000)	(152,348,000)	699,243,000
Notional amount	6,763,742,000	4,111,016,000	1,537,670,000
Option contract [member] | Sold Position [Member] | Put Option - US Dollar [Member]
IfrsStatementLineItems [Line Items]
Curve value	(409,758,000)	(348,715,000)	(137,061,000)
Financial assets, at fair value	(508,584,000)	(287,825,000)	(192,335,000)
Notional amount	8,885,700,000	4,017,161,000	2,315,919,000
Option contract [member] | Sold Position [Member] | Call Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	(1,590,130,000)	(719,460,000)	(588,023,000)
Financial assets, at fair value	(821,508,000)	(872,335,000)	(453,919,000)
Notional amount	42,840,737,000	33,383,234,000	130,919,394,000
Option contract [member] | Sold Position [Member] | Call Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	(575,451,000)	(713,773,000)	(566,813,000)
Financial assets, at fair value	(349,710,000)	(858,586,000)	(464,405,000)
Notional amount	33,377,728,000	31,730,928,000	120,156,285,000
Option contract [member] | Sold Position [Member] | Call Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	(1,014,679,000)	(5,687,000)	(21,210,000)
Financial assets, at fair value	(471,798,000)	(13,749,000)	10,486,000
Notional amount	9,463,009,000	1,652,305,000	10,763,109,000
Option contract [member] | Sold Position [Member] | Put Option - Other [Member]
IfrsStatementLineItems [Line Items]
Curve value	(828,354,000)	(597,497,000)	(1,356,630,000)
Financial assets, at fair value	(398,511,000)	(943,736,000)	(4,979,984,000)
Notional amount	491,775,275,000	523,830,930,000	902,246,206,000
Option contract [member] | Sold Position [Member] | Put Option - Other [Member] | Interbank Market [Member]
IfrsStatementLineItems [Line Items]
Curve value	(804,467,000)	(597,497,000)	(1,350,314,000)
Financial assets, at fair value	(378,608,000)	(943,736,000)	(4,597,427,000)
Notional amount	491,596,383,000	523,830,930,000	869,328,317,000
Option contract [member] | Sold Position [Member] | Put Option - Other [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	(23,887,000)		(6,316,000)
Financial assets, at fair value	(19,903,000)		(382,557,000)
Notional amount	178,892,000		32,917,888,000
Futures contract [member]
IfrsStatementLineItems [Line Items]
Curve value
Financial assets, at fair value
Notional amount	278,348,786,000	287,984,278,000	270,258,566,000
Futures contract [member] | Purchased Position [Member]
IfrsStatementLineItems [Line Items]
Financial assets, at fair value
Notional amount	254,505,429,000	148,237,279,000	110,275,866,000
Futures contract [member] | Purchased Position [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Curve value
Financial assets, at fair value
Notional amount	27,444,003,000	33,797,350,000
Futures contract [member] | Purchased Position [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Notional amount	138,035,000
Futures contract [member] | Purchased Position [Member] | Exchange Coupon (DDI) [Member]
IfrsStatementLineItems [Line Items]
Curve value
Financial assets, at fair value
Notional amount	77,727,137,000	85,931,389,000	12,438,695,000
Futures contract [member] | Purchased Position [Member] | Interest Rates (DI1 and DIA) [Member]
IfrsStatementLineItems [Line Items]
Curve value
Financial assets, at fair value
Notional amount	148,713,860,000	28,491,764,000	97,837,171,000
Futures contract [member] | Purchased Position [Member] | Indexes [Member]
IfrsStatementLineItems [Line Items]
Notional amount	482,394,000	16,776,000
Futures contract [member] | Sold Position [Member]
IfrsStatementLineItems [Line Items]
Notional amount	23,843,357,000	139,746,999,000	159,982,699,000
Futures contract [member] | Sold Position [Member] | Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Notional amount	1,327,928,000	25,678,296,000	18,653,658,000
Futures contract [member] | Sold Position [Member] | Indexes [Member]
IfrsStatementLineItems [Line Items]
Notional amount	1,787,973,000	194,879,000	256,261,000
Futures contract [member] | Sold Position [Member] | Foreign Exchange Coupon [Member]
IfrsStatementLineItems [Line Items]
Notional amount	17,259,936,000	60,606,204,000	73,114,014,000
Futures contract [member] | Sold Position [Member] | Interest Rates [Member]
IfrsStatementLineItems [Line Items]
Notional amount	3,337,596,000	53,267,620,000	67,958,767,000
Futures contract [member] | Sold Position [Member] | Treasury Bonds/Notes [Member]
IfrsStatementLineItems [Line Items]
Notional amount	129,924,000
Futures contract [member] | Purchased Commitment [Member]
IfrsStatementLineItems [Line Items]
Curve value	2,292,188,000	5,345,415,000	1,370,654,000
Financial assets, at fair value	6,741,298,000	12,112,679,000	6,543,254,000
Notional amount	93,143,116,000	93,097,212,000	96,309,648,000
Futures contract [member] | Purchased Commitment [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	353,232,000	2,606,930,000
Financial assets, at fair value	314,613,000	3,610,745,000	1,516,688,000
Notional amount	20,293,661,000	9,345,027,000	9,055,447,000
Futures contract [member] | Purchased Commitment [Member] | Currencies [Member]
IfrsStatementLineItems [Line Items]
Curve value	1,938,956,000	2,738,485,000	1,370,654,000
Financial assets, at fair value	6,426,685,000	8,501,934,000	5,026,566,000
Notional amount	72,849,455,000	83,752,185,000	87,254,202,000
Futures contract [member] | Sold Commitment [Member]
IfrsStatementLineItems [Line Items]
Curve value	(897,392,000)	(2,508,572,000)	1,323,105,000
Financial assets, at fair value	(5,592,773,000)	(13,824,032,000)	(6,102,227,000)
Notional amount	59,526,816,000	74,514,101,000	69,354,158,000
Futures contract [member] | Sold Commitment [Member] | Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	(49,967,000)	(1,366,746,000)	(223,000)
Financial assets, at fair value	897,509,000	(1,892,023,000)	(1,255,298,000)
Notional amount	5,951,891,000	2,902,602,000	4,367,401,000
Futures contract [member] | Sold Commitment [Member] | Currencies [Member]
IfrsStatementLineItems [Line Items]
Curve value	(847,425,000)	(1,141,826,000)	1,323,328,000
Financial assets, at fair value	(6,490,282,000)	(11,932,009,000)	(4,846,929,000)
Notional amount	53,574,925,000	71,611,500,000	64,986,757,000
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Curve value	1,394,796,000	2,836,843,000	2,693,759,000
Financial assets, at fair value	1,148,525,000	(1,711,353,000)	441,028,000
Notional amount	R$ 152669932000		R$ 165663806000
Forward Contracts And Others Member 1 [Member]
IfrsStatementLineItems [Line Items]
Notional amount		R$ 167611313000

Derivative financial instrume_5

Derivative financial instruments and Short positions (Details 2) - BRL (R$) R$ in Thousands		Dec. 31, 2022		Dec. 31, 2021		Dec. 31, 2020
Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		R$ 393351898				R$ 278752387
Option contract [member]
IfrsStatementLineItems [Line Items]
Notional		1,150,540,616		R$ 1130172099		2,043,286,085
Option contract [member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		69,919,242		1,127,446,708
Option contract [member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional		742,316		1,641,361
Option contract [member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional		1,079,879,058	[1]	1,084,030	[2]
Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional		278,348,786		287,984,278		270,258,566
Futures contract [member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		1,525,199		287,984,278
Futures contract [member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional
Futures contract [member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional		276,823,587	[1]		[2]
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional		152,669,932				165,663,806
Forward Contracts and Others [Member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		61,719,539
Forward Contracts and Others [Member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional		72,055,923
Forward Contracts and Others [Member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional	[1]	18,894,470
Forward Contracts And Others 1 [Member]
IfrsStatementLineItems [Line Items]
Notional				167,611,313		163,040,700
Forward Contracts And Others 1 [Member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional				70,457,399
Forward Contracts And Others 1 [Member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional				96,857,222
Forward Contracts And Others 1 [Member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional	[2]			296,692
Assets [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		393,351,898		418,137,448		R$ 278752387
Assets [Member] | Swap contract [member] | Customers [Member]
IfrsStatementLineItems [Line Items]
Notional		38,910,036		152,650,125
Assets [Member] | Swap contract [member] | Related Parties [Member]
IfrsStatementLineItems [Line Items]
Notional		250,925,646		233,667,783
Assets [Member] | Swap contract [member] | Financial Institutions [Member]
IfrsStatementLineItems [Line Items]
Notional		R$ 103516216	[1]	R$ 31819540	[2]
[1]Includes trades with B3 S.A. and other securities and commodities exchanges.[2]Includes trades with B3 S.A. and other securities and commodities exchanges.

Derivative financial instrume_6

Derivative financial instruments and Short positions (Details 3) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional amount	R$ 393351898		R$ 278752387
Option contract [member]
IfrsStatementLineItems [Line Items]
Notional amount	1,150,540,616	R$ 1130172099	2,043,286,085
Option contract [member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	632,690,834
Option contract [member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	392,814,885
Option contract [member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	125,034,897
Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional amount	278,348,786	287,984,278	270,258,566
Futures contract [member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	199,359,807	167,320,563
Futures contract [member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	22,626,385	45,239,639
Futures contract [member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	56,362,594	75,424,076
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional amount	152,669,932		165,663,806
Forward Contracts and Others [Member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	76,955,710
Forward Contracts and Others [Member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	44,449,708
Forward Contracts and Others [Member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	31,264,514
Option Contract 1 [Member]
IfrsStatementLineItems [Line Items]
Notional amount		1,130,172,099	2,043,286,084
Option Contract 1 [Member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		749,406,698
Option Contract 1 [Member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		128,500,299
Option Contract 1 [Member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		252,265,102
Forward Contracts And Others 2 [Member]
IfrsStatementLineItems [Line Items]
Notional amount		167,611,313	163,040,700
Forward Contracts And Others 2 [Member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		72,761,669
Forward Contracts And Others 2 [Member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		67,060,436
Forward Contracts And Others 2 [Member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount		27,789,208
Assets [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional amount	393,351,898	418,137,448	R$ 278752387
Assets [Member] | Swap contract [member] | Up to 3 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	45,216,039	30,501,795
Assets [Member] | Swap contract [member] | From 3 To 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	55,756,566	99,817,727
Assets [Member] | Swap contract [member] | Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
Notional amount	R$ 292379293	R$ 287817926

Derivative financial instrume_7

Derivative financial instruments and Short positions (Details 4) - BRL (R$) R$ in Thousands		Dec. 31, 2022		Dec. 31, 2021		Dec. 31, 2020
Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		R$ 393351898				R$ 278752387
Option contract [member]
IfrsStatementLineItems [Line Items]
Notional		1,150,540,616		R$ 1130172099		2,043,286,085
Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional		278,348,786		287,984,278		270,258,566
Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional		152,669,932				165,663,806
Option Contract 2 [Member]
IfrsStatementLineItems [Line Items]
Notional				1,130,172,099		2,043,286,084
Forward Contracts And Other [Member]
IfrsStatementLineItems [Line Items]
Notional				167,611,313		163,040,700
Assets [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		393,351,898		418,137,448		R$ 278752387
Stock Exchange [Member] | Option contract [member]
IfrsStatementLineItems [Line Items]
Notional	[1]	1,076,649,948
Stock Exchange [Member] | Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional		278,348,786	[1]	287,984,278	[2]
Stock Exchange [Member] | Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional	[1]	6,790,867
Stock Exchange [Member] | Option Contract 2 [Member]
IfrsStatementLineItems [Line Items]
Notional	[2]			1,094,484,434
Stock Exchange [Member] | Forward Contracts And Other [Member]
IfrsStatementLineItems [Line Items]
Notional	[2]			7,108,898
Stock Exchange [Member] | Assets [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		45,837,011	[1]	111,418,682	[2]
Over the Counter [Member] | Option contract [member]
IfrsStatementLineItems [Line Items]
Notional		73,890,668
Over the Counter [Member] | Futures contract [member]
IfrsStatementLineItems [Line Items]
Notional
Over the Counter [Member] | Forward Contracts and Others [Member]
IfrsStatementLineItems [Line Items]
Notional		145,879,065
Over the Counter [Member] | Option Contract 2 [Member]
IfrsStatementLineItems [Line Items]
Notional				35,687,665
Over the Counter [Member] | Forward Contracts And Other [Member]
IfrsStatementLineItems [Line Items]
Notional				160,502,415
Over the Counter [Member] | Assets [Member] | Swap contract [member]
IfrsStatementLineItems [Line Items]
Notional		R$ 347514887		R$ 306718767
[1]Includes trades with B3 S.A.[2]Includes trades with B3 S.A.

Derivative financial instrume_8

Derivative financial instruments and Short positions (Details 5) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Nominal Value Retained Risk Total Rate Of Return Swap [Member]
IfrsStatementLineItems [Line Items]
Credit Swaps	R$ 3725358	R$ 3984392	R$ 3483628
Credit Derivatives Portfolio Stockholders Equity Credit Total	3,725,358	3,984,392	3,483,628
Nominal Value Transferred Risk Credit Swap [Member]
IfrsStatementLineItems [Line Items]
Credit Swaps	7,831,108		519,670
Credit Derivatives Portfolio Stockholders Equity Credit Total	R$ 7831108		R$ 519670

Derivative financial instrume_9

Derivative financial instruments and Short positions (Details 6) - Maximum Potential For Future Payments Gross [Member] - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
CDS	R$ 11556466	R$ 3984392	R$ 4003298
Total	11,556,466	3,984,392	4,003,298
Below Investment Grade	11,556,466	3,984,392	4,003,298
Total	11,556,466	3,984,392	4,003,298
Brazilian Government	11,556,466	3,984,392	4,003,298
Total	11,556,466	3,984,392	4,003,298
Nominal Value Over 12 Months [Member]
IfrsStatementLineItems [Line Items]
CDS	11,556,466	3,984,392	4,003,298
Total	11,556,466	3,984,392	4,003,298
Below Investment Grade	11,556,466	3,984,392	4,003,298
Total	11,556,466	3,984,392	4,003,298
Brazilian Government	11,556,466	3,984,392	4,003,298
Total	R$ 11556466	R$ 3984392	R$ 4003298

Derivative financial instrum_10

Derivative financial instruments and Short positions (Details 7) - Fair Value Hedge Hedge Structure [Member] - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Hedge Structure Effective Portion Accumulated [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LTN, NTN-F)	R$ 0	R$ 3756394	R$ 2183841
Trade Finance Off	(189)	728	(5,092)
Fair Value Hedge Total	(189)	3,757,122	(2,188,933)
Hedge Structure Portion Ineffective [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LTN, NTN-F)	0	0	0
Trade Finance Off	0	0	0
Fair Value Hedge Total	R$ 0	R$ 0	R$ 0

Derivative financial instrum_11

Derivative financial instruments and Short positions (Details 8) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Swap contract [member] | Hedge Instruments [Member]
IfrsStatementLineItems [Line Items]
Curve Value	R$ 437702	R$ 84767
Adjustment to Market Value	48,140	(2,204)
Accounting Value	485,842	82,563
Swap contract [member] | Hedge Instruments [Member] | Credit Operation Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	437,702
Adjustment to Market Value	48,140
Accounting Value	485,842
Swap contract [member] | Hedge Instruments [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value
Adjustment to Market Value
Accounting Value
Swap contract [member] | Hedge Instruments [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value		84,767
Adjustment to Market Value		(2,204)
Accounting Value		82,563
Swap contract [member] | Hedge Objects [Member]
IfrsStatementLineItems [Line Items]
Curve Value	461,499	84,937
Adjustment to Market Value	(24,687)	3,175
Accounting Value	436,812	88,112
Swap contract [member] | Hedge Objects [Member] | Credit Operation Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	461,499
Adjustment to Market Value	(24,687)
Accounting Value	436,812
Swap contract [member] | Hedge Objects [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value
Adjustment to Market Value
Accounting Value
Swap contract [member] | Hedge Objects [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value		84,937
Adjustment to Market Value		3,175
Accounting Value		88,112
Futures contract [member] | Hedge Instruments [Member]
IfrsStatementLineItems [Line Items]
Adjustment to Market Value		(7,913)
Futures contract [member] | Hedge Instruments [Member]
IfrsStatementLineItems [Line Items]
Curve Value	75,057,601	41,437,967	R$ 46649331
Adjustment to Market Value	3,862,299		0
Accounting Value	78,919,900	41,430,054	46,649,331
Futures contract [member] | Hedge Instruments [Member] | Credit Operation Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	11,451,502
Adjustment to Market Value	686,249
Accounting Value	12,137,751
Futures contract [member] | Hedge Instruments [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	3,971,751	38,587,378	46,649,331
Adjustment to Market Value	0	6,527	0
Accounting Value	3,971,751	38,593,904	46,649,331
Futures contract [member] | Hedge Instruments [Member] | Funding Hedge 1 [Member]
IfrsStatementLineItems [Line Items]
Curve Value	59,634,348
Adjustment to Market Value	3,176,050
Accounting Value	62,810,398
Futures contract [member] | Hedge Instruments [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	14,039,535	2,850,589
Adjustment to Market Value		(14,439)
Accounting Value		2,836,150
Futures contract [member] | Hedge Objects [Member]
IfrsStatementLineItems [Line Items]
Curve Value	75,953,237	46,351,128	42,529,036
Adjustment to Market Value	1,729,350	(2,031,108)	2,802,690
Accounting Value	77,682,587	44,320,021	45,331,727
Futures contract [member] | Hedge Objects [Member] | Credit Operation Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	10,529,915
Adjustment to Market Value	3,067,594
Accounting Value	13,597,509
Futures contract [member] | Hedge Objects [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	3,787,939	43,612,299	42,529,036
Adjustment to Market Value	(609,013)	(2,046,793)	2,802,690
Accounting Value	3,178,926	41,565,506	R$ 45331727
Futures contract [member] | Hedge Objects [Member] | Funding Hedge 1 [Member]
IfrsStatementLineItems [Line Items]
Curve Value	61,635,383
Adjustment to Market Value	(729,231)
Accounting Value	60,906,152
Futures contract [member] | Hedge Objects [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve Value	R$ 12251307	2,738,830
Adjustment to Market Value		15,685
Accounting Value		R$ 2754515

Derivative financial instrum_12

Derivative financial instruments and Short positions (Details 9) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Effective Portion Accumulated [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LFT)	R$ 984396000	R$ 982648000	R$ 727437000
Bancary Deposit Receipt - CDB	(536,935,000)	402,779,000
Cash Flow Hedge Total	(1,593,955,000)	(816,500,000)	800,190,000
Portion Ineffective [Member]
IfrsStatementLineItems [Line Items]
Government Bonds (LFT)	0	0	0
Bancary Deposit Receipt - CDB	0	0	0
Cash Flow Hedge Total	0	0	0
Fair Value Hedge Hedge Structure [Member] | Hedge Structure Effective Portion Accumulated [Member]
IfrsStatementLineItems [Line Items]
Fair value edge eurobonds	0	0	14,666,000
Fair value edge trade finance off	(72,624,000)	(236,630,000)	58,088,000
Fair Value Hedge Hedge Structure [Member] | Hedge Structure Portion Ineffective [Member]
IfrsStatementLineItems [Line Items]
Fair value edge eurobonds	0	0	0
Fair value edge trade finance off	R$ 0	R$ 0	R$ 0

Derivative financial instrum_13

Derivative financial instruments and Short positions (Details 10) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Futures contract [member]
IfrsStatementLineItems [Line Items]
Curve value
Futures contract [member] | Hedge Instruments [Member]
IfrsStatementLineItems [Line Items]
Curve value	42,617,519
Accounting Value - liability	403,700		23,447,934
CashFlowHedgeAdjustmentToMarketValue	43,021,219
Curve Value	75,057,601	41,437,967	46,649,331
Futures contract [member] | Hedge Instruments [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability	54,882		19,500,234
CashFlowHedgeAdjustmentToMarketValue	14,094,417		19,500,234
Market Value			23,447,934
Curve Value	14,039,535	2,850,589
Futures contract [member] | Hedge Instruments [Member] | Hedge Of Securities 1 [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability	348,474
CashFlowHedgeAdjustmentToMarketValue	17,475,300
Curve Value	17,126,826
Futures contract [member] | Hedge Instruments [Member] | Funding Hedge [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability	344
CashFlowHedgeAdjustmentToMarketValue	11,451,502
Curve Value	11,451,158
Futures contract [member] | Hedge Instruments [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	3,971,751	38,587,378	46,649,331
Futures contract [member] | Hedge Objects [Member]
IfrsStatementLineItems [Line Items]
[custom:CurveValue2-0]	42,568,476
Market Value	2,611,153
CashFlowHedgeAccountingValue	45,179,629		23,447,934
Curve Value	75,953,237	46,351,128	42,529,036
Futures contract [member] | Hedge Objects [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Market Value	2,647,973
CashFlowHedgeAccountingValue	14,899,280
Curve Value	12,251,307	2,738,830
Futures contract [member] | Hedge Objects [Member] | Hedge Of Securities 1 [Member]
IfrsStatementLineItems [Line Items]
Market Value	1,912,343
CashFlowHedgeAccountingValue	20,288,248
Curve Value	18,375,905
Futures contract [member] | Hedge Objects [Member] | Funding Hedge [Member]
IfrsStatementLineItems [Line Items]
Market Value	(1,949,163)
CashFlowHedgeAccountingValue	9,992,101
Curve Value	11,941,264
Futures contract [member] | Hedge Objects [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve Value	3,787,939	43,612,299	42,529,036
Futures contract [member] | Hedge Object [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue			23,447,934
Swap contract [member]
IfrsStatementLineItems [Line Items]
Curve value	(3,682,261)	(1,804,744)	(3,076,947)
Swap contract [member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve value		28,542,862
Accounting Value - liability		(577,845)
CashFlowHedgeAdjustmentToMarketValue		27,965,018
Swap contract [member] | Hedge Of Securities 1 [Member]
IfrsStatementLineItems [Line Items]
Curve value		11,069,000
Accounting Value - liability		(38,191)
CashFlowHedgeAdjustmentToMarketValue		11,030,809
Swap contract [member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve value		110,932,644
Accounting Value - liability		(616,062)
CashFlowHedgeAdjustmentToMarketValue		110,316,582
Swap contract [member] | Hedge Objects [Member]
IfrsStatementLineItems [Line Items]
Curve value		128,673,067
Swap contract [member] | Hedge Instruments [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability			1,428,053
CashFlowHedgeAdjustmentToMarketValue			1,428,053
Market Value		(8,912,769)	1,302,666
Curve Value	437,702	84,767
Swap contract [member] | Hedge Instruments [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability			1,428,053
CashFlowHedgeAdjustmentToMarketValue			1,428,053
Market Value		1,508,397
Curve Value		84,767
Swap contract [member] | Hedge Instruments [Member] | Hedge Of Securities 1 [Member]
IfrsStatementLineItems [Line Items]
Market Value		122,264
Swap contract [member] | Hedge Instruments [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve value		71,320,781
Accounting Value - liability		(26)	19,500,234
CashFlowHedgeAdjustmentToMarketValue			19,500,234
Market Value		(10,543,430)	1,302,666
Curve Value
CashFlowHedgeAdjustmentToMarketValue		71,320,756
Swap contract [member] | Hedge Objects [Member]
IfrsStatementLineItems [Line Items]
Accounting Value - liability		119,760,298
Curve Value	461,499	84,937
Swap contract [member] | Hedge Objects [Member] | Credit Operations Hedge [Member]
IfrsStatementLineItems [Line Items]
Curve value		28,659,545
Accounting Value - liability		30,167,942
Curve Value		84,937
Swap contract [member] | Hedge Objects [Member] | Hedge Of Securities 1 [Member]
IfrsStatementLineItems [Line Items]
Curve value		10,176,522
Accounting Value - liability		10,298,786
Swap contract [member] | Hedge Objects [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
Curve value		89,837,000
Accounting Value - liability		R$ 79293570
Curve Value
Swap contract [member] | Hedge Object [Member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue			1,302,666
Swap contract [member] | Hedge Object [Member] | Hedge of Securities [Member]
IfrsStatementLineItems [Line Items]
CashFlowHedgeAccountingValue			R$ 1302666

Derivative financial instrum_14

Derivative financial instruments and Short positions (Details 11) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative Financial Instruments And Short Positions
Financial Treasury Bills - LFT	R$ 18269122	R$ 31305549	R$ 4363666
National Treasury Bills - LTN	3,291,246	3,751,223	6,155,276
National Treasury Notes - NTN	10,904,676	7,725,538	2,814,274
Total	R$ 32465044	R$ 42782310	R$ 13333215

Derivative financial instrum_15

Derivative financial instruments and Short positions (Details Narrative) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative Financial Instruments And Short Positions
Trading derivative and used as hedge liabilities forward contracts and others one			R$ 2623106
Short position total	R$ 22047423	R$ 12780559	R$ 45807946

Loans and advances to clients_2

Loans and advances to clients (Details) - BRL (R$)		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss		R$ 1894282000	R$ 392455000	R$ 60808000
Financial Assets Measured At Amortized Cost		488,735,746,000	464,451,587,000	393,707,229,000
Of which:
Loans and receivables at amortized cost		522,761,008,000	492,962,247,000	417,761,218,000
Impairment losses		(34,025,262,000)	(28,510,660,000)	(24,053,989,000)
Loans and advances to customers, net		490,630,028,000	464,844,042,000	393,768,037,000
Loans and advances to customers, gross		524,655,290,000	493,354,702,000	417,822,026,000
Type:
Loans operations	[1]	492,232,308,000	457,384,432,000	390,941,415,000
Lease Portfolio		2,862,185,000	2,532,048,000	2,096,240,000
Repurchase agreements			6,044,808,000	4,530,041,000
Other receivables	[2]	29,560,797,000	27,393,414,000	20,254,330,000
Total		R$ 524655290000	R$ 493354702000	R$ 417822026000
[1]Includes loans, financing and other receivables with credit characteristics.[2]Refers substantially to Foreign Exchange Transactions and Other Receivables with the characteristic of granting credit.

Loans and advances to clients_3

Loans and advances to clients (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
Commercial, and industrial	R$ 223321961	R$ 215967128	R$ 191281653
Real estate-construction	58,242,768	54,738,607	45,791,869
Installment loans to individuals	240,227,475	220,115,963	178,652,145
Lease financing	2,863,086	2,533,004	2,096,359
Total	R$ 524655290	R$ 493354702	R$ 417822026

Loans and advances to clients_4

Loans and advances to clients (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
Fixed interest rate	R$ 353381012	R$ 337583246	R$ 292884352
Floating rate	171,274,278	155,771,456	124,937,674
Total	R$ 524655290	R$ 493354702	R$ 417822026

Loans and advances to clients_5

Loans and advances to clients (Details 3) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 223321961	R$ 247674251	R$ 191281652
Real estate	58,242,768	54,738,607	45,791,870
Installment loans to individuals	240,227,475	188,408,840	178,652,145
Lease financing	2,863,086	2,533,004	2,096,359
Loans and advances to customers, gross	R$ 524655290	R$ 493354702	R$ 417822026
Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	42.57%	50.20%	45.78%
Real estate	11.09%	11.10%	10.96%
Installment loans to individuals	45.79%	38.19%	42.76%
Lease financing	0.55%	0.51%	0.50%
Loans and advances to customers, gross	100%	100%	100%
Less Than 1 Year [Member]
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 126507628	R$ 165729422	R$ 127569542
Real estate	4,297,742	3,985,684	3,419,553
Installment loans to individuals	137,581,042	99,050,959	87,174,594
Lease financing	1,397,799	1,284,868	899,055
Loans and advances to customers, gross	R$ 269784211	R$ 270050934	R$ 219062744
Less Than 1 Year [Member] | Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	46.89%	61.37%	58.23%
Real estate	1.59%	1.48%	1.56%
Installment loans to individuals	51%	36.68%	39.79%
Lease financing	0.52%	0.48%	0.41%
Loans and advances to customers, gross	100%	100%	100%
Between 1 And 5 Years [Member]
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 83448296	R$ 73723212	R$ 60190422
Real estate	10,905,342	10,137,988	8,973,495
Installment loans to individuals	81,679,970	75,832,619	76,667,187
Lease financing	1,454,533	1,238,498	1,182,713
Loans and advances to customers, gross	R$ 177488141	R$ 160932317	R$ 147013817
Between 1 And 5 Years [Member] | Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	47.02%	45.81%	40.94%
Real estate	6.14%	6.30%	6.10%
Installment loans to individuals	46.02%	47.12%	52.15%
Lease financing	0.82%	0.77%	0.80%
Loans and advances to customers, gross	100%	100%	100%
More Than 5 Years [Member]
IfrsStatementLineItems [Line Items]
Commercial, and industrial	R$ 13366037	R$ 8221617	R$ 3521688
Real estate	43,039,684	40,614,935	33,398,822
Installment loans to individuals	20,966,463	13,525,262	14,810,364
Lease financing	10,754	9,638	14,591
Loans and advances to customers, gross	R$ 77382938	R$ 62371452	R$ 51745465
More Than 5 Years [Member] | Debt Sector By Maturity Percent [Member]
IfrsStatementLineItems [Line Items]
Commercial and industrial	17.27%	13.18%	6.81%
Real estate	55.63%	65.12%	64.54%
Installment loans to individuals	27.09%	21.69%	28.62%
Lease financing	0.01%	0.02%	0.03%
Loans and advances to customers, gross	100%	100%	100%

Loans and advances to clients_6

Loans and advances to clients (Details 4) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Maturity
Less than 1 year	R$ 269784211	R$ 270050934	R$ 219062744
Between 1 and 5 years	177,488,141	160,932,317	147,013,817
More than 5 years	77,382,938	62,371,451	51,745,465
Loans and advances to customers, gross	524,655,290	493,354,702	417,822,026
Internal risk classification
Low	392,397,296	374,505,212	347,315,357
Medium-low	77,992,749	79,216,725	24,277,404
Medium	18,647,136	14,589,977	26,231,871
Medium - high	13,573,901	9,413,110	3,896,457
High	22,044,208	15,629,678	16,100,937
Loans and advances to customers, gross	R$ 524655290	R$ 493354702	R$ 417822026

Loans and advances to clients_7

Loans and advances to clients (Details 5) R$ in Thousands	Dec. 31, 2022 BRL (R$)
Stage 1 [Member] | Credit Losses Expected In 12 Months [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	R$ 6977664
Impairment losses charged to income for the year	2,418,459
Transfers between stages	(387,312)
Movement of the period	2,805,771
Of which:
Commercial and industrial	262,834
Real estate-construction	(6,839)
Installment loans to individuals	2,163,216
Lease financing	(752)
Variation by Stage	(6,516,310)
Write-off of impaired balances against recorded impairment allowance
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Exchange Variation	6,104
Balance at end of year	2,885,917
Of which:
Loans and advances to customers	(2,807,780)
Loans and amounts due from credit institutions (Note 5)	12,599
Provision for Debt Instruments  (Note 6)	65,537
Recoveries of loans previously charged off
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Discount Granted
Balance at beginning of year	29,723,374
Impairment losses charged to income for the year	23,800,720
Of which:
Commercial and industrial	8,854,382
Real estate-construction	244,335
Installment loans to individuals	14,685,813
Lease financing	16,190
Write-off of impaired balances against recorded impairment allowance	(18,340,010)
Of which:
Commercial and industrial	(4,919,792)
Real estate-construction	(114,637)
Installment loans to individuals	(13,294,696)
Lease financing	(10,885)
Exchange Variation	27,539
Balance at end of year	35,211,623
Of which:
Loans and advances to customers	(34,025,262)
Loans and amounts due from credit institutions (Note 5)	12,599
Provision for Debt Instruments  (Note 6)	1,173,762
Recoveries of loans previously charged off	983,030
Of which:
Commercial and industrial	597,436
Real estate-construction	35,671
Installment loans to individuals	346,097
Lease financing	3,826
Stage 2 [Member] | Expected Credit Losses Over Useful Life Not Subject To Impairment [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	5,753,855
Impairment losses charged to income for the year	7,757,352
Transfers between stages	(124,415)
Movement of the period	7,881,767
Of which:
Commercial and industrial	696,692
Real estate-construction	(20,320)
Installment loans to individuals	7,084,057
Lease financing	(3,077)
Variation by Stage	(6,652,359)
Write-off of impaired balances against recorded impairment allowance
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Exchange Variation	2,610
Balance at end of year	6,861,458
Of which:
Loans and advances to customers	(6,852,845)
Loans and amounts due from credit institutions (Note 5)
Provision for Debt Instruments  (Note 6)	8,613
Recoveries of loans previously charged off
Of which:
Commercial and industrial
Real estate-construction
Installment loans to individuals
Lease financing
Discount Granted
Balance at beginning of year	25,640,489
Impairment losses charged to income for the year	16,986,695
Of which:
Commercial and industrial	3,340,309
Real estate-construction	116,031
Installment loans to individuals	13,531,815
Lease financing	(1,460)
Write-off of impaired balances against recorded impairment allowance	(12,934,687)
Of which:
Commercial and industrial	(5,184,225)
Real estate-construction	(166,579)
Installment loans to individuals	(7,575,967)
Lease financing	(7,916)
Exchange Variation	30,878
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	7,299
Stage 3 [Member] | Expected Credit Losses During The Useful Life Subject To Impairment [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	16,991,855
Impairment losses charged to income for the year	13,624,909
Transfers between stages	7,860,172
Movement of the period	5,764,737
Of which:
Commercial and industrial	7,894,856
Real estate-construction	271,494
Installment loans to individuals	5,438,540
Lease financing	20,019
Variation by Stage	13,168,669
Write-off of impaired balances against recorded impairment allowance	(18,340,010)
Of which:
Commercial and industrial	(4,919,792)
Real estate-construction	(114,637)
Installment loans to individuals	(13,294,696)
Lease financing	(10,885)
Exchange Variation	18,825
Balance at end of year	25,464,248
Of which:
Loans and advances to customers	(24,364,637)
Loans and amounts due from credit institutions (Note 5)
Provision for Debt Instruments  (Note 6)	1,099,612
Recoveries of loans previously charged off	983,030
Of which:
Commercial and industrial	597,436
Real estate-construction	35,671
Installment loans to individuals	346,097
Lease financing	3,826
Discount Granted	(2,011,059)
Balance at beginning of year	22,625,750
Impairment losses charged to income for the year	18,311,441
Of which:
Commercial and industrial	6,918,671
Real estate-construction	81,415
Installment loans to individuals	11,308,689
Lease financing	2,666
Write-off of impaired balances against recorded impairment allowance	(15,297,428)
Of which:
Commercial and industrial	(4,744,944)
Real estate-construction	(232,262)
Installment loans to individuals	(10,433,131)
Lease financing	(14,588)
Exchange Variation	127,499
Balance at end of year	25,640,488
Of which:
Loans and advances to customers	(24,053,989)
Loans and amounts due from credit institutions (Note 5)	9,065
Provision for Debt Instruments  (Note 6)	1,577,435
Recoveries of loans previously charged off	861,253
Of which:
Commercial and industrial	422,023
Real estate-construction	55,631
Installment loans to individuals	370,491
Lease financing	13,107
Stage Total [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	29,723,374
Impairment losses charged to income for the year	23,800,720
Transfers between stages	7,348,445
Movement of the period	16,452,275
Of which:
Commercial and industrial	8,854,382
Real estate-construction	244,335
Installment loans to individuals	14,685,813
Lease financing	16,190
Variation by Stage
Write-off of impaired balances against recorded impairment allowance	(18,340,010)
Of which:
Commercial and industrial	(4,919,792)
Real estate-construction	(114,637)
Installment loans to individuals	(13,294,696)
Lease financing	(10,885)
Exchange Variation	27,539
Balance at end of year	35,211,623
Of which:
Loans and advances to customers	(34,025,262)
Loans and amounts due from credit institutions (Note 5)	12,599
Provision for Debt Instruments  (Note 6)	1,173,762
Recoveries of loans previously charged off	983,030
Of which:
Commercial and industrial	597,436
Real estate-construction	35,671
Installment loans to individuals	346,097
Lease financing	3,826
Discount Granted	R$ 2011059

Loans and advances to clients_8

Loans and advances to clients (Details 6) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
Commercial and industrial	R$ 12259205	R$ 8324614	R$ 9757193
Real estate - Construction	283,946	154,248	193,935
Installment loans to individuals	22,658,949	21,240,296	15,675,765
Lease financing	9,523	4,218	13,594
Total	R$ 35211623	R$ 29723376	R$ 25640488

Loans and advances to clients_9

Loans and advances to clients (Details 7) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
Balance at the beginning of the period	R$ 26923312	R$ 23176039	R$ 23426076
Net additions	31,920,565	18,428,727	14,757,908
Written-off assets	(19,620,042)	(14,681,454)	(15,007,946)
Balance at end of year	R$ 39223835	R$ 26923312	R$ 23176039

Loans and advances to client_10

Loans and advances to clients (Details 8) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
With no Past- Due Balances or Less than 3 Months Past Due	R$ 23036735	R$ 12885506	R$ 12966813
With Balances Past Due by
3 to 6 Months	4,349,146	4,717,302	3,049,974
6 to 12 Months	9,536,043	6,866,628	4,798,859
12 to 18 Months	1,481,516	1,253,046	1,243,809
18 to 24 Months	315,987	659,702	607,527
More than 24 Months	504,408	541,129	509,056
Total	39,223,835	26,923,312	23,176,039
Debt Sector
Commercial and industrial	14,156,235	11,439,692	10,558,213
Real estate - Construction	1,057,989	470,115	456,130
Installment loans to individuals	23,999,266	14,996,152	12,144,238
Lease financing	10,345	17,353	17,458
Total	R$ 39223835	R$ 26923312	R$ 23176039

Loans and advances to client_11

Loans and advances to clients (Details 9) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Loan Past Due Not Classified As Impaired Commercial And Industrial	R$ 4940611	R$ 4892277	R$ 5131885
Loan Past Due Not Classified As Impaired Real Estate Construction	4,063,490	3,605,641	3,085,498
Loan Past Due Not Classified As Impaired Installment Loans To Individuals	14,035,606	15,150,254	11,660,666
Financial Leasing	11,806	10,961	13,292
Loan Past Due Not Classified As Impaired Total	R$ 23051513	R$ 23659133	R$ 19891340
Of Total Loans Past Due For Less Than Days Member [Member]
IfrsStatementLineItems [Line Items]
Percentage Commercial And Industrial	21.43%	20.68%	25.80%
Percentage Real Estate Construction	17.63%	15.24%	15.51%
Percentage Installment Loans To Individuals	60.89%	64.04%	58.62%
Percentage Financial Leasing	0.05%	0.05%	0.07%
Percentage Total	100%	100%	100%

Loans and advances to client_12

Loans and advances to clients (Details 10) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
Overdue	R$ 2066	R$ 3531	R$ 2740
Due to:
Up to 1 year	1,197,133	1,067,567	952,172
From 1 to 5 years	1,888,521	1,642,506	1,394,525
Over 5 years	123,496	132,459	20,128
Total	R$ 3211216	R$ 2846063	R$ 2369565

Loans and advances to client_13

Loans and advances to clients (Details Narrative) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Advances To Clients
Impairment losses on financial assets loans and receivables	R$ 24828749	R$ 17112734	R$ 17450188
Loans and advances to clients	32,647	40,790	55,284
Financial liabilities associated with assets transfer	R$ 32138	R$ 40511	R$ 55105

Non-current assets held for s_3

Non-current assets held for sale (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Non-current Assets Held For Sale
Balance at beginning of year		R$ 1065420	R$ 1362602	R$ 1580496
Loan repayments - repossession of assets		201,391	235,904	445,173
Capital Increase in Companies held for sale		56,512	66,197
Sales		(413,777)	(599,283)	(663,067)
Final balance, gross		909,546	1,065,420	1,362,602
Impairment losses	[1]	R$ 210410	R$ 249075	R$ 269693
Impairment as a percentage of foreclosed assets		23.13%	23.38%	19.79%
Balance at end of year		R$ 699136	R$ 816345	R$ 1092909
[1]In 2022, includes the amount of R$196,649 (2021 – R$182,448 and 2020 – R$24,751) of reversal of provisions for depreciation on real estate and R$2,053 (2021 – R$2,194) of provisions for depreciation on vehicles, constituted based on appraisal reports prepared by a specialized external consultancy, accounted for as a provision for non-recovery losses (“impairment”).

Investments in associates and_3

Investments in associates and joint ventures (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Banco Rci Brasil Sa Current Company Name Of Rci Brasil Leasing [Member] | Jointly Controlled By Banco Santander [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Banco RCI Brasil S.A.
Activity	Bank
Country	Brazil
Participation	39.89%	39.89%	39.89%
Estruturadora Brasileira De Projetos S A [Member] | Jointly Controlled By Banco Santander [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%
Gestora De Inteligencia De Credito [Member] | Jointly Controlled By Banco Santander [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Gestora de Inteligência de Crédito
Activity	Credit Bureau
Country	Brazil
Participation	15.56%	19.45%	20%
Campo Grande Empreendimentos [Member] | Jointly Controlled By Banco Santander [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Campo Grande Empreendimentos
Activity	Other Activities
Country	Brazil
Participation	0%	25.32%	25.32%
Santander Auto S A [Member] | Jointly Controlled By Banco Santander [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Santander Auto S.A.
Activity	Other Activities
Country	Brazil
Participation	50%	50%	50%
Cip S A [Member] | Jointly Controlled By Banco Santander [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	CIP S.A
Activity	Other Activities
Country	Brazil
Participation	17.87%	0%	0%
Webmotors S [Member] | Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Webmotors S.A.
Activity	Other Activities
Country	Brazil
Participation	70%	70%	70%
Tecnologia Bancria Sa Tecban [Member] | Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [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%
Hyundai Corretora De Seguros [Member] | Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Hyundai Corretora de Seguros
Activity	Insurance Broker
Country	Brazil
Participation	50%	50%	50%
P S A Corretora De Segurose Servicos Ltda [Member] | Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	PSA Corretora de Seguros e Serviços Ltda.
Activity	Insurance Broker
Country	Brazil
Participation	50%	50%	50%
C S D Central De Servicos De Registroe Deposito Aos Mercados Financeiro E De Capitais S A [Member] | Jointly Controlled By Santander Sa Servios Tcnicos Administrativos De Corretagem De Seguros Santander Servios [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A
Activity	Insurance Broker
Country	Brazil
Participation	20%	0%	0%
Solutions 4 Fleet [Member] | Jointly Controlled By Aymore C F I [Member]
IfrsStatementLineItems [Line Items]
Name of joint venture	Solution 4 Fleet
Activity	Other Activities
Country	Brazil
Participation	80%	80%	0%

Investments in associates and_4

Investments in associates and joint ventures (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Investments In Associates And Joint Ventures
Jointly Controlled by Banco Santander	R$ 1053127	R$ 628040	R$ 590219
Banco RCI Brasil S.A.	552,572	591,745	544,236
Estruturadora Brasileira de Projetos S.A. - EBP	746	1,257	1,273
Gestora de Inteligência de Crédito	61,590	13,522	28,680
Campo Grande Empreendimentos		255	255
Santander Auto S.A.	30,778	21,261	15,775
CIP S.A	407,441
Jointly Controlled by Santander Corretora de Seguros	674,443	593,002	504,766
Webmotors S.A.	386,437	359,092	316,597
Tecnologia Bancária S.A. - TECBAN	243,649	232,109	186,357
Hyundai Corretora de Seguros	1,254	1,260	1,044
PSA Corretora de Seguros e Serviços Ltda.	540	541	768
CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A	42,563
Jointly Controlled by Aymoré CFI		11,604
Solution 4 Fleet.		11,604
Total	R$ 1727570	R$ 1232646	R$ 1094985

Investments in associates and_5

Investments in associates and joint ventures (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Investments In Associates And Joint Ventures
Jointly Controlled by Banco Santander	R$ 134043	R$ 54493	R$ 50914
Banco RCI Brasil S.A.	84,214	62,813	72,057
Norchem Participações e Consultoria S.A.			333
CIP S.A.	50,607
Estruturadora Brasileira de Projetos S.A. - EBP	43	(16)	9
Gestora de Inteligência de Crédito	(13,365)	(14,419)	(19,064)
Santander Auto S.A.	12,544	6,115	(2,421)
Jointly Controlled by Santander Corretora de Seguros	65,136	91,833	61,380
Webmotors S.A.	52,085	45,817	38,823
Tecnologia Bancária S.A. - TECBAN	11,540	45,752	22,219
Hyundai Corretora de Seguros	(6)	216	110
PSA Corretora de Seguros e Serviços Ltda.	1,021	48	226
CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A	496
Jointly Controlled by Aymoré CFI		(2,142)
Solution 4 Fleet.		(2,142)
Significant Influence of Banco Santander			(33)
Norchem Holding e Negócios S.A.			(33)
Total	R$ 199179	R$ 144184	R$ 112261

Investments in associates and_6

Investments in associates and joint ventures (Details 3) - BRL (R$) shares in Thousands, R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Investments In Associates And Joint Ventures
Jointly Controlled by Banco Santander - Total assets	R$ 15665896	R$ 12488103	R$ 12900571
Jointly Controlled by Banco Santander -Total liabilities	15,289,473	12,473,458	11,255,396
Total Income Jointly Controlled By Banco Santander	446,732	95,420	51,847
Banco RCI Brasil S.A. - Total assets	11,232,921	11,147,493	11,620,304
Banco RCI Brasil S.A. -Total liabilities	11,078,109	11,080,238	10,255,995
Banco RCI Brasil S.A	211,111	157,462	99,951
Estruturadora Brasileira de Projetos S.A. - EBP - Total assets	6,831	11,339	11,562
Estruturadora Brasileira de Projetos S.A. - EBP -Total liabilities	11,427	11,476	39
Total Income Estruturadora Brasileira De Projetos Sa Ebp	390	(136)	148
Gestora de Inteligencia de Credito - Total assets	1,565,100	1,173,234	1,126,424
Gestora de Inteligencia de Credito -Total liabilities	R$ 1642454	R$ 1237937	R$ 933115
Total Income Gestora De Inteligncia De Crdito	(68,330)	(74,136)	(45,410)
Santander Auto S.A. - Total assets	R$ 208976	R$ 156037	R$ 71807
Santander Auto S.A. -Total liabilities	182,551	143,807	38,466
Total Income Santander Auto Sa	26,425	12,230	(3,376)
CIP S.A - Total assets	2,652,068
CIP S.A -Total liabilities	2,374,932
[custom:TotalIncomeCipSa]	277,136
Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participacoes SA) - Total assets	3,593,408	3,055,130	2,952,308
Jointly Controlled by Santander Corretora de Seguros (current corporate name of Santander Participacoes SA) -Total liabilities	3,459,786	2,824,094	1,692,770
Total Income Jointly Controlled By Santander Corretora De Seguros Current Corporate Name Of Santander Participaes Sa	133,621	231,035	68,469
Webmotors S.A. - Total assets	393,592	342,195	512,687
Webmotors S.A. -Total liabilities	316,559	276,743	78,856
Total Income Webmotors Sa	77,033	65,452	21,529
Tecnologia Bancaria S.A. - TECBAN - Total assets	2,973,912	2,707,571	2,435,377
Tecnologia Bancaria S.A. - TECBAN -Total liabilities	2,921,075	2,542,515	1,612,822
TotalIncomeTecnologiaBancriaSaTecban	52,837	165,056	46,735
Hyundai Corretora de Seguros Ltda. - Total assets	4,025	3,353	2,076
Hyundai Corretora de Seguros Ltda. -Total liabilities	4,037	2,921	251
TotalIncomeHyundaiCorretoraDeSegurosLtda	(12)	431	(43)
PSA Corretora de Seguros e Servicos Ltda. - Total assets	5,400	2,011	2,168
PSA Corretora de Seguros e Servicos Ltda. -Total liabilities	3,358	1,915	841
TotalIncomePsaCorretoraDeSegurosServiosLtda	2,041	96	247
CSD Central de Servicos de Registro e Deposito aos Mercados Financeiro e de Capitais S.A -- Total assets	216,479
CSD Central de Servicos de Registro e Deposito aos Mercados Financeiro e de Capitais S.A -Total liabilities	214,757
[custom:TotalIncomeCsdCentralDeServicosDeRegistroEDepositoAosMercadosFinanceiroEDeCapitaisSa]	1,722
Total assets	19,259,304	15,558,104	15,979,756
Total liabilities	18,749,259	15,315,100	12,977,558
Total Income	R$ 580353	323,778	120,091
Significant Influence of Banco Santander - Total assets		14,871	126,877
Significant Influence of Banco Santander -Total liabilities		17,548	29,391
TotalIncomeSignificantInfluenceOfBancoSantander		(2,677)	(225)
Norchem Holding e Negocios S.A. - Total assets		14,871	126,877
Norchem Holding e Negocios S.A. -Total liabilities		17,548	29,391
TotalIncomeNorchemHoldingNegciosSa		R$ 2677	(225)
Norchem Participacoes e Consultoria S.A. - Total assets			70,475
Banco RCI Brasil S.A. -Total liabilities			27,781
[custom:TotalIncomeNorchemParticipacoesEConsultoriaSa]			R$ 534

Investments in associates and_7

Investments in associates and joint ventures (Details 4) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Investments In Associates And Joint Ventures
Balance at beginning of year	R$ 1232646	R$ 1094985	R$ 1049510
Additions / disposals (net) due to change in the scope of consolidation	(11,604)	(739)	(41,851)
Additions /disposals	103,500	13,746	13,571
Add / Lower	(809)
Share of results of entities accounted for using the equity method	199,179	144,184	112,293
Dividends proposed/received	(125,732)	(66,878)	(59,784)
Adjustment to market value	(26,355)
Others		47,348	21,246
Balance at end of year	1,370,825	1,232,646	1,094,985
Significant Influence of Banco Santander
Balance at beginning of year			21,252
Share of results of entities accounted for using the equity method			(33)
Dividends proposed/received			(239)
Alienation	356,745		(20,980)
Balance at end of year	R$ 356745

Investments in associates and_8

Investments in associates and joint ventures (Details 5) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Principal Jointly Controlled Entities Banco Rci Brasil [Member]
IfrsStatementLineItems [Line Items]
Current assets	R$ 10608167	R$ 10187883	R$ 11270565
Current liabilities	9,284,716	8,754,744	9,825,654
Cash and cash equivalents	306,035	341,015	201,142
Depreciation and amortization	(1,592)	(1,628)	(1,577)
Revenue	885,062	637,856	732,253
Interest income	1,875,538	1,308,649	1,354,283
Interest expense	(1,057,093)	(592,776)	(483,506)
Tax Income / (expense)	(103,934)	(105,266)	(169,957)
Current financial liabilities (excluding trade and other payables and provisions)	3,814,862	3,293,251	3,279,806
Non-current financial liabilities (excluding trade and other payables and provisions)	5,747,252	5,218,945	5,947,683
Principal Jointly Controlled Entities Webmotors [Member]
IfrsStatementLineItems [Line Items]
Current assets	404,644	342,195	276,170
Current liabilities	86,928	71,742	220,707
Cash and cash equivalents	2,161	2,746	1,411
Depreciation and amortization	(818)	(19,152)	(14,949)
Revenue	84,742	331,586	277,270
Interest income	12,887	3,938	2,283
Interest expense
Tax Income / (expense)	(43,634)	(32,819)	(26,314)
Current financial liabilities (excluding trade and other payables and provisions)		58,910	58,910
Non-current financial liabilities (excluding trade and other payables and provisions)		R$ 796	R$ 796

Tangible assets (Details)

Tangible assets (Details) - BRL (R$)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cost [Member]
IfrsStatementLineItems [Line Items]
Balance at	R$ 19797585000	R$ 20640371000	R$ 21443016000
Additions			1,235,923,000
Additions resulting mergers		103,449,000	738,603,000
Cancellation of lease agreements	(115,842,000)	(254,101,000)	(246,308,000)
Write-off	(796,564,000)	(2,037,954,000)	(2,681,591,000)
Transfers	81,086,000	183,046,000	150,728,000
Additions		1,162,774,000
Additions	1,126,111,000
Additions by Company Acquisition	333,742,000
Balance at	20,426,118,000	19,797,585,000	20,640,371,000
Balance at	20,426,118,000	19,797,585,000	20,640,371,000
Cost [Member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	2,799,523,000	2,816,745,000	2,840,170,000
Additions			8,831,000
Additions resulting mergers
Cancellation of lease agreements
Write-off	(49,212,000)	(50,181,000)	(23,771,000)
Transfers			(8,485,000)
Additions		32,959,000
Additions	44,475,000
Additions by Company Acquisition
Balance at	2,794,786,000	2,799,523,000	2,816,745,000
Balance at	2,794,786,000	2,799,523,000	2,816,745,000
Cost [Member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	3,286,155,000	3,783,646,000	5,345,320,000
Additions			559,388,000
Additions resulting mergers
Cancellation of lease agreements
Write-off	(215,731,000)	(1,584,956,000)	(2,241,220,000)
Transfers	54,958,000	651,607,000	120,158,000
Additions		435,858,000
Additions	185,248,000
Additions by Company Acquisition
Balance at	3,310,630,000	3,286,155,000	3,783,646,000
Balance at	3,310,630,000	3,286,155,000	3,783,646,000
Cost [Member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	10,286,236,000	10,463,657,000	10,172,692,000
Additions			667,704,000
Additions resulting mergers
Cancellation of lease agreements
Write-off	(531,621,000)	(402,817,000)	(416,600,000)
Transfers	26,128,000	(468,561,000)	39,861,000
Additions		693,957,000
Additions	896,388,000
Additions by Company Acquisition
Balance at	10,677,131,000	10,286,236,000	10,463,657,000
Balance at	10,677,131,000	10,286,236,000	10,463,657,000
Cost [Member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at	3,424,424,000	3,575,076,000	3,082,781,000
Additions
Additions resulting mergers		103,449,000	738,603,000
Cancellation of lease agreements	(115,842,000)	(254,101,000)	(246,308,000)
Write-off
Transfers
Additions
Additions
Additions by Company Acquisition	333,742,000
Balance at	3,642,324,000	3,424,424,000	3,575,076,000
Balance at	3,642,324,000	3,424,424,000	3,575,076,000
Cost [Member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	1,247,000	1,247,000	2,053,000
Additions
Additions resulting mergers
Cancellation of lease agreements
Write-off
Transfers			(806,000)
Additions
Additions
Additions by Company Acquisition
Balance at	1,247,000	1,247,000	1,247,000
Balance at	1,247,000	1,247,000	1,247,000
Accumulated depreciation [Member]
IfrsStatementLineItems [Line Items]
Balance at	(10,987,154,000)	(11,034,575,000)	(11,609,135,000)
Additions	(1,860,043,000)	(1,850,780,000)	(2,039,805,000)
Write-off	648,009,000	2,000,378,000	2,634,495,000
Transfers	(3,790,000)	(102,177,000)	(20,130,000)
Balance at	(12,202,978,000)	(10,987,154,000)	(11,034,575,000)
Balance at	(12,202,978,000)	(10,987,154,000)	(11,034,575,000)
Accumulated depreciation [Member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	(973,469,000)	(902,860,000)	(828,691,000)
Additions	(101,576,000)	(108,946,000)	(86,954,000)
Write-off	28,904,000	38,337,000	11,020,000
Transfers			1,765,000
Balance at	(1,046,141,000)	(973,469,000)	(902,860,000)
Balance at	(1,046,141,000)	(973,469,000)	(902,860,000)
Accumulated depreciation [Member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	(1,595,971,000)	(2,245,544,000)	(4,038,210,000)
Additions	(332,594,000)	(291,174,000)	(537,908,000)
Write-off	214,948,000	940,737,000	2,263,857,000
Transfers	(117,000)	10,000	66,717,000
Balance at	(1,713,734,000)	(1,595,971,000)	(2,245,544,000)
Balance at	(1,713,734,000)	(1,595,971,000)	(2,245,544,000)
Accumulated depreciation [Member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	(7,312,714,000)	(6,762,293,000)	(6,186,418,000)
Additions	(865,145,000)	(896,705,000)	(846,881,000)
Write-off	404,157,000	448,471,000	359,618,000
Transfers	(3,673,000)	(102,187,000)	(88,612,000)
Balance at	(7,777,375,000)	(7,312,714,000)	(6,762,293,000)
Balance at	(7,777,375,000)	(7,312,714,000)	(6,762,293,000)
Accumulated depreciation [Member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at	(1,105,000,000)	(1,123,878,000)	(555,816,000)
Additions	(560,728,000)	(553,955,000)	(568,062,000)
Write-off		572,833,000
Transfers
Balance at	(1,665,728,000)	(1,105,000,000)	(1,123,878,000)
Balance at	(1,665,728,000)	(1,105,000,000)	(1,123,878,000)
Accumulated depreciation [Member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at
Additions
Write-off
Transfers
Balance at
Balance at
Accumulated impairment [member]
IfrsStatementLineItems [Line Items]
Balance at	(26,646,000)	(68,685,000)	(51,925,000)
Balance at	(32,377,000)	(26,646,000)	(68,685,000)
Impacts on results	(5,731,000)	42,039,000	(16,760,000)
Balance at	(32,377,000)	(26,646,000)	(68,685,000)
Accumulated impairment [member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	(22,298,000)	(25,608,000)	(14,446,000)
Balance at	(27,942,000)	(22,298,000)	(25,608,000)
Impacts on results	(5,644,000)	3,310,000	(11,162,000)
Balance at	(27,942,000)	(22,298,000)	(25,608,000)
Accumulated impairment [member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at
Balance at
Impacts on results
Balance at
Accumulated impairment [member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	9,039,000	(29,690,000)	(37,479,000)
Balance at	8,952,000	9,039,000	(29,690,000)
Impacts on results	(87,000)	38,729,000	7,789,000
Balance at	8,952,000	9,039,000	(29,690,000)
Accumulated impairment [member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at
Balance at
Impacts on results
Balance at
Accumulated impairment [member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	(13,387,000)	(13,387,000)
Balance at	(13,387,000)	(13,387,000)	(13,387,000)
Impacts on results			(13,387,000)
Balance at	(13,387,000)	(13,387,000)	(13,387,000)
Gross carrying amount [member]
IfrsStatementLineItems [Line Items]
Balance at	8,783,785,000	9,537,111,000
Balance at	8,190,763,000	8,783,785,000	9,537,111,000
Balance at	8,190,763,000	8,783,785,000	9,537,111,000
Gross carrying amount [member] | Land and buildings [member]
IfrsStatementLineItems [Line Items]
Balance at	1,803,756,000	1,888,277,000
Balance at	1,720,703,000	1,803,756,000	1,888,277,000
Balance at	1,720,703,000	1,803,756,000	1,888,277,000
Gross carrying amount [member] | Computer equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	1,690,184,000	1,538,102,000
Balance at	1,596,896,000	1,690,184,000	1,538,102,000
Balance at	1,596,896,000	1,690,184,000	1,538,102,000
Gross carrying amount [member] | Vehicles [member]
IfrsStatementLineItems [Line Items]
Balance at	2,982,561,000	3,671,674,000
Balance at	2,908,708,000	2,982,561,000	3,671,674,000
Balance at	2,908,708,000	2,982,561,000	3,671,674,000
Gross carrying amount [member] | Leased Fixed Assets [Member]
IfrsStatementLineItems [Line Items]
Balance at	2,319,424,000	2,451,198,000
Balance at	1,976,596,000	2,319,424,000	2,451,198,000
Balance at	1,976,596,000	2,319,424,000	2,451,198,000
Gross carrying amount [member] | Other property, plant and equipment [member]
IfrsStatementLineItems [Line Items]
Balance at	(12,140,000)	(12,140,000)
Balance at	(12,140,000)	(12,140,000)	(12,140,000)
Balance at	R$ 12140000	R$ 12140000	R$ 12140000

Intangible assets - Goodwill (D

Intangible assets - Goodwill (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tangible Assets
Banco ABN Amro Real S.A. (Banco Real)	R$ 27217565	R$ 27217565	R$ 27215749
Toro Corretora de Títulos e Valores Mobiliários S.A.	160,771	305,937
Liderança Serviços Especializados em Cobranças Ltda.	236,626	237,663
Olé Consignado (Atual Denominação Social do Banco Bonsucesso Consignado)	62,800	62,800	62,800
Solution 4Fleet Consultoria Empresarial S.A.	32,590	32,613
Return Capital Serviços de Recuperação de Créditos S.A. (atual denominação social da Ipanema Empreendimentos e Participações S.A.)	24,346	24,346	24,346
Santander Brasil Tecnologia S.A.	16,381	16,381	16,381
Paytec Tecnologia em Pagamentos Ltda.		11,336
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.	5,271	5,271
Banco PSA Finance Brasil S.A.	1,557	1,557	1,557
Apê11 Tecnologia e Negocios Imobiliarios S.A.	9,777
Monetus Investimentos S.A.	39,919
Mobills Labs Soluções em Tecnologia LTDA	39,589
CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A.	42,135
Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet)			1,039,304
Total	R$ 27889327	R$ 27915469	R$ 28360137

Intangible assets - Goodwill _2

Intangible assets - Goodwill (Details 1)		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tangible Assets
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]	5.10%	4.80%	4.30%
Discount rate	[2]	12.90%	12.30%	12.40%
[1]Cash flow projections are based on the Management's internal budget and growth plans, considering historical data, expectations and market conditions such as industry growth, interest rates and inflation indices.[2]The discount rate is calculated based on the capital asset pricing model (CAPM). The pre-tax discount rate is 19.09% (2021 – 18.77% and 2020 – 19.56%).

Intangible assets - Goodwill _3

Intangible assets - Goodwill (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tangible Assets
Balance at beginning of the year	R$ 27915469	R$ 28360137	R$ 28375004
Additions (loss):
Getnet Adquirência e Serviços para Meios de Pagamento S.A. (Santander Getnet)		(1,039,304)
Toro Corretora de Títulos e Valores Mobiliários S.A.	(145,167)	305,937
Liderança Serviços Especializados em Cobranças Ltda.	(1,036)	237,663
Solution 4Fleet Consultoria Empresarial S.A.	(23)	32,613
Paytec Tecnologia em Pagamentos Ltda.	(11,336)	11,336
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.		5,271
Apê11 Tecnologia e Negócios Imobiliários S.A.	9,777
Monetus Investimentos S.A.	39,919
Mobills Labs Soluções em Tecnologia Ltda.	39,589
CSD Central de Serviços de Registro e Depósito aos Mercados Financeiro e de Capitais S.A.	42,135
Others		1,816	(14,867)
Balance at end of the year	R$ 27889327	R$ 27915469	R$ 28360137

Intangible assets - Other int_3

Intangible assets - Other intangible assets (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	R$ 2871319	R$ 2406361
Balance on December 31, 2021	3,713,407	2,871,319	R$ 2406361
Balance on December 31, 2020	3,713,407	2,871,319	2,406,361
Cost [Member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	7,455,638	6,716,037	5,923,523
Additions	1,737,548	1,500,562	1,063,422
Write-off	(187,774)	(636,804)	(248,429)
Transfers	5,948	(124,157)	(22,479)
Balance on December 31, 2021	9,011,360	7,455,638	6,716,037
Balance on December 31, 2020	9,011,360	7,455,638	6,716,037
Cost [Member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	7,025,609	6,353,841	5,629,798
Additions	1,536,146	1,429,459	990,184
Write-off	(186,429)	(633,534)	(240,626)
Transfers	5,986	(124,157)	(25,515)
Balance on December 31, 2021	8,381,312	7,025,609	6,353,841
Balance on December 31, 2020	8,381,312	7,025,609	6,353,841
Cost [Member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	430,029	362,196	293,725
Additions	201,402	71,103	73,238
Write-off	(1,345)	(3,270)	(7,803)
Transfers	(38)		3,036
Balance on December 31, 2021	630,048	430,029	362,196
Balance on December 31, 2020	630,048	430,029	362,196
Accumulated Amortization [Member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	(4,484,225)	(4,239,742)	(3,700,420)
Additions	(725,459)	(583,141)	(539,322)
Write-off	43,076	338,658
Balance on December 31, 2021	(5,166,608)	(4,484,225)	(4,239,742)
Balance on December 31, 2020	(5,166,608)	(4,484,225)	(4,239,742)
Accumulated Amortization [Member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	(4,208,942)	(3,982,788)	(3,448,788)
Additions	(651,724)	(569,370)	(534,000)
Write-off	40,085	343,216
Balance on December 31, 2021	(4,820,581)	(4,208,942)	(3,982,788)
Balance on December 31, 2020	(4,820,581)	(4,208,942)	(3,982,788)
Accumulated Amortization [Member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	(275,283)	(256,954)	(251,632)
Additions	(73,735)	(13,771)	(5,322)
Write-off	2,991	(4,558)
Balance on December 31, 2021	(346,027)	(275,283)	(256,954)
Balance on December 31, 2020	(346,027)	(275,283)	(256,954)
Losses from non-recovery (Impairment) - IT [Member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	(100,094)	(69,934)	(2,319)
Write-off			(1,346)
Balance on December 31, 2021	(131,345)	(100,094)	(69,934)
Balance on December 31, 2020	(131,345)	(100,094)	(69,934)
Impact on net profit	(31,251)	(30,160)	(66,269)
Losses from non-recovery (Impairment) - IT [Member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	(93,000)	(69,934)	(2,319)
Write-off			(1,346)
Balance on December 31, 2021	(103,091)	(93,000)	(69,934)
Balance on December 31, 2020	(103,091)	(93,000)	(69,934)
Impact on net profit	(10,091)	(23,066)	(66,269)
Losses from non-recovery (Impairment) - IT [Member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	(7,094)
Balance on December 31, 2021	(28,254)	(7,094)
Balance on December 31, 2020	(28,254)	(7,094)
Impact on net profit	(21,160)	(7,094)
Gross carrying amount [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	2,871,319	2,406,361
Balance on December 31, 2021	3,713,407	2,871,319	2,406,361
Balance on December 31, 2020	3,713,407	2,871,319	2,406,361
Gross carrying amount [member] | Computer software [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	2,723,667	2,301,119
Balance on December 31, 2021	3,457,640	2,723,667	2,301,119
Balance on December 31, 2020	3,457,640	2,723,667	2,301,119
Gross carrying amount [member] | Other intangible assets [member]
IfrsStatementLineItems [Line Items]
Balance on December 31, 2020	147,652	105,242
Balance on December 31, 2021	255,767	147,652	105,242
Balance on December 31, 2020	R$ 255767	R$ 147652	R$ 105242

Tangible assets (Details Narrat

Tangible assets (Details Narrative) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tangible Assets
Contractual commitments for acquisition of intangible assets	R$ 50807	R$ 58413	R$ 0

Other assets (Details)

Other assets (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Assets Abstract
Customer relationships		R$ 1645963	R$ 922860	R$ 1873048
Prepayments and accrued income		1,031,104	797,365	1,007,792
Contractual guarantees of former controlling stockholders (Note 22.c.5)		496	496	496
Actuarial asset (Note 21)		292,770	287,808	361,149
Other receivables	[1]	5,304,196	4,040,499	3,979,926
Total		R$ 8274529	R$ 6049028	R$ 7222411
[1]Corresponds mainly to the payment of payroll portfolio premiums.

Deposits from the Brazilian C_3

Deposits from the Brazilian Central Bank and Deposits from credit institutions (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Financial liabilities at amortized cost		R$ 116079014	R$ 121005909	R$ 131656962
Total		116,079,014	121,005,909	131,656,962
Type:
Deposits on demand	[1]	3,520,842	126,203	296,340
Time deposits	[2]	87,824,144	75,754,363	76,489,490
Repurchase agreements		24,734,028	45,125,343	54,871,132
Of which:
Backed operations with Private Securities	[3]	70,188	13,478,131	13,843,463
Backed operations with Government Securities		24,663,840	31,647,212	41,027,669
Total		R$ 116079014	R$ 121005909	R$ 131656962
[1]Non-remunerated accounts.[2]Includes operations with credit institutions resulting from export and import financing lines, domestic onlending (BNDES and Finame) and abroad, and other credit lines abroad.[3]Refer basically to repurchase agreements backed by own debentures.

Deposits from the Brazilian C_4

Deposits from the Brazilian Central Bank and Deposits from credit institutions (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Deposits From Brazilian Central Bank And Deposits From Credit Institutions
Real	R$ 46952884	R$ 62322887	R$ 77743482
Euro		9,309	13,156
US dollar	68,661,828	58,673,713	53,900,324
Other currencies	464,302
Total	R$ 116079014	R$ 121005909	R$ 131656962

Client deposits (Details)

Client deposits (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Client Deposits
Financial liabilities at amortized cost		R$ 489953489	R$ 468961069	R$ 445813972
Total		489,953,489	468,961,069	445,813,972
Demand deposits
Current accounts	[1]	26,607,407	41,742,247	35,550,105
Savings accounts		60,170,586	65,248,913	62,210,443
Time deposits		339,943,008	280,955,456	269,929,085
Repurchase agreements		63,232,488	81,014,453	78,124,340
Of which:
Backed operations with Private Securities	[2]	17,309,369	20,103,099	14,944,250
Backed operations with Government Securities		45,923,119	60,911,354	63,180,090
Total		R$ 489953489	R$ 468961069	R$ 445813972
[1]Non-remunerated accounts.[2]Refer basically to repurchase agreements backed by own debentures.

Marketable debt securities (Det

Marketable debt securities (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Classification:
Financial liabilities at amortized cost		R$ 107120875	R$ 79036792	R$ 56875514
Total		107,120,875	79,036,792	56,875,514
Type:
Real estate credit notes - LCI	[1]	26,076,306	21,459,182	18,846,138
Eurobonds		14,508,126	12,952,068	9,399,277
Treasury Bills	[2]	33,713,048	25,074,264	12,749,911
Agribusiness credit notes - LCA		24,045,319	16,989,434	14,746,831
Guaranteed Real Estate Credit Notes	[3]	8,778,076	2,561,845	1,133,356
Total		R$ 107120875	R$ 79036792	R$ 56875514
[1]Real estate credit notes are fixed income securities backed by real estate credits and guaranteed by mortgage or fiduciary alienation of real estate. As of December 31, 2022, they mature between 2023 and 2028 (2021 - with maturity between 2022 and 2028 and 2020 - with maturity between 2021 and 2027).[2]The main characteristics of financial bills are a minimum term of two years, a minimum face value of R$50 and permission for early redemption of only 5% of the amount issued. As of December 31, 2022, they mature between 2023 and 2032 (2021 – with maturity between 2022 and 2031 and 2020 – with maturity between 2021 and 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 separate from the issuer's other assets. On December 31, 2022, they mature between 2023 and 2035 (12/31/2021 - with maturity between 2022 and 2035).

Marketable debt securities (D_2

Marketable debt securities (Details 1)	12 Months Ended
	Dec. 31, 2022
Indexers Domestic [Member]
IfrsStatementLineItems [Line Items]
Treasury Bills	100% to 112% of CDI
Treasury Bills	100% of IPCA
Treasury Bills	Pre fixed: 4.26% to 14.35%
Real estate credit notes - LCI	86% to 105.8% of CDI
Real estate credit notes - LCI	Pre fixed: 3.90% of 14.36%
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
Agribusiness Credit Notes Lca Selic	5.37% to 14.07% of SELIC
Guaranteed Real Estate Credit Notes - LIG	6% to 106% of CDI
Guaranteed Real Estate Credit Notes LigIpca	95% to 108.5% of IPCA
Indexers Abroad [Member]
IfrsStatementLineItems [Line Items]
Eurobonds	0% a 9%
Eurobonds	CDI+6,4%

Marketable debt securities (D_3

Marketable debt securities (Details 2) R$ in Thousands	12 Months Ended
	Dec. 31, 2022 BRL (R$)	Dec. 31, 2021 BRL (R$)	Dec. 31, 2020 BRL (R$)
Marketable Debt Securities
Real	R$ 92612749	R$ 66084725	R$ 47490706
US dollar	14,508,126	12,952,068	9,384,808
Total	R$ 107120875	R$ 79036792	R$ 56875514
Real	0.123	0.054	0.025
US dollar	0.052	0.057	0.052
Total	0.088	0.056	0.039

Marketable debt securities (D_4

Marketable debt securities (Details 3) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Marketable Debt Securities
Balance at beginning of the year	R$ 79036792	R$ 56875514	R$ 73702474
Issuances	60,583,109	101,784,961	60,047,656
Payments	(39,154,639)	(97,220,580)	(82,900,914)
Interest (Note 32)	6,951,908	4,536,849	2,785,942
Exchange differences and Others	(296,295)	13,060,048	3,240,356
Balance at end of the year	R$ 107120875	R$ 79036792	R$ 56875514

Marketable debt securities (D_5

Marketable debt securities (Details 4) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Bonds issued	R$ 14508127	R$ 12952066	R$ 9399276
Bonds 01 [Member]
IfrsStatementLineItems [Line Items]
Issuance	2018
Maturity	2025
[custom:InterestRatePYBonds]	4.4%
Bonds issued		306,253	4,213,777
Bonds 02 [Member]
IfrsStatementLineItems [Line Items]
Issuance	2019
Maturity	2027
[custom:InterestRatePYBonds]	Until 6.4% + CDI
Bonds issued	R$ 32204	1,189,699	1,279,506
Bonds 03 [Member]
IfrsStatementLineItems [Line Items]
Issuance	2020
Maturity	2027
[custom:InterestRatePYBonds]	Until 6.4% + CDI
Bonds issued	R$ 90069	3,363,551	R$ 3905993
Bonds 04 [Member]
IfrsStatementLineItems [Line Items]
Issuance	2021
Maturity	2031
[custom:InterestRatePYBonds]	Until 9% + CDI
Bonds issued	R$ 6306335	R$ 8092563
Bonds 05 [Member]
IfrsStatementLineItems [Line Items]
Issuance	2022
Maturity	2035
[custom:InterestRatePYBonds]	Until 9% + CDI
Bonds issued	R$ 8079519

Debt Instruments Eligible to _3

Debt Instruments Eligible to Compose Capital (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Debt Instruments Eligible to Compose Capital	R$ 19537618	R$ 19641408	R$ 13119660
Tier I 01 [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	nov-18
Issuance Value	US$1.250
Interest Rate (a.a.)	7.250%
Debt Instruments Eligible to Compose Capital	R$ 6591740	7,050,080	6,554,451
Tier I I [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	nov-18
Issuance Value	US$1.250
Interest Rate (a.a.)	6.125%
Debt Instruments Eligible to Compose Capital	R$ 6580937	7,038,527	R$ 6565209
DebtInstrumentsEligibleToComposeCapitalMaturity	nov/28
Tier I I 02 [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	nov-21
Issuance Value	R$5,300
Interest Rate (a.a.)	CDI+2%
Debt Instruments Eligible to Compose Capital	R$ 6133677	5,351,046
DebtInstrumentsEligibleToComposeCapitalMaturity	nov-31
Tier I I 03 [Member]
IfrsStatementLineItems [Line Items]
DebtInstrumentsEligibleToComposeCapitalIssuance	dez-21
Issuance Value	R$200
Interest Rate (a.a.)	CDI+2%
Debt Instruments Eligible to Compose Capital	R$ 231264	R$ 201755
DebtInstrumentsEligibleToComposeCapitalMaturity	dez-31

Debt Instruments Eligible to _4

Debt Instruments Eligible to Compose Capital (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt Instruments
Balance at beginning of the year		R$ 19641408	R$ 13119660	R$ 10175961
Issuance - Tier II			5,500,000
Interest payment Tier I	[1]	484,291	505,300	506,771
Interest payment Tier II	[1]	379,103	449,899	402,622
Exchange differences / Others		(105,467)	977,855	2,948,951
Payments of interest - Tier I		(467,099)	(493,071)	(495,789)
Payments of interest - Tier II		(394,618)	(418,235)	(418,856)
Balance at end of the year		R$ 19537618	R$ 19641408	R$ 13119660
[1]The interest remuneration referring to the Debt Instrument Eligible for Capital Tier I and II was recorded as a contra entry to income for the period under "Interest and Similar Expenses" (Note 32).

Other financial liabilities (De

Other financial liabilities (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Financial Liabilities
Credit card obligations		R$ 38941974	R$ 45976315	R$ 48912963
Unsettled financial transactions	[1]	20,743,759	10,861,143	7,210,396
Dividends and Interest on Capital payable		191,720	1,029,952	1,223,310
Tax collection accounts - Tax payables		1,108,778	969,939	864,292
Liability associated with the transfer of assets (Note 9.g)		32,138	40,511	55,105
Other financial liabilities		10,496,253	10,030,440	8,595,084
Total		R$ 71514622	R$ 68908300	R$ 66861150
[1]Includes transactions to be settled with B3 S.A. and payment orders in foreign currency.

Provisions for pensions and s_3

Provisions for pensions and similar obligations (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
To current employees		R$ 186038	R$ 320202	R$ 478837
Vested obligations to retired employees		23,920,682	26,183,758	28,202,580
Total		24,106,720	26,503,960	28,681,417
Less:
Fair value of plan assets		27,316,715	28,321,826	28,634,891
Unrecognized assets	[1]	(4,141,741)	(3,645,083)	(2,762,220)
Provisions – Post-employment plans, net		931,746	1,827,217	2,808,746
Present value of the obligations - Other similar obligations:
To current employees		71,653	97,004	135,902
Vested obligations to retired employees		4,517,011	5,026,865	5,782,124
Total		4,588,664	5,123,869	5,918,026
Less:
Fair value of plan assets		4,945,407	5,096,262	5,398,667
Unrecognized assets	[1]	(907,430)	(585,495)	(240,010)
Provisions – Other similar obligations, net		550,687	613,101	759,370
Total provisions for pension plans, net		1,482,433	2,440,318	3,568,115
Of which:
Actuarial provisions		1,775,202	2,728,126	3,929,265
Actuarial assets (note 15)		R$ 292770	R$ 287808	R$ 361149
[1]Refers to fully funded surplus plans Banesprev I and III, Sanprev I,II and III and Bandeprev.

Provisions for pensions and s_4

Provisions for pensions and similar obligations (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
Staff costs - Current service costs (note 39)	R$ 1432	R$ 1799	R$ 4186
Interest and similar income and expenses - Interest cost (net) (notes 31 and 32)	2,175,565	(81,681)	108,268
Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32)	(2,064,384)	252,608	97,291
Other movements - Extraordinary charges	41,546	2,117	16,786
Total	R$ 154159	R$ 174843	R$ 226532

Provisions for pensions and s_5

Provisions for pensions and similar obligations (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
Staff costs - Current service costs (note 39)	R$ 5015	R$ 6820	R$ 5860
Interest and similar income and expenses - Interest cost (net) (notes 31 and 32)	427,484	14,985	71,374
Interest and similar income and expenses - Interest on unrecognized assets (notes 31 and 32)	(382,028)	31,500
Other movements - Extraordinary charges(2)	31	(135)	(142)
Total	R$ 50502	R$ 53170	R$ 77092

Provisions for pensions and s_6

Provisions for pensions and similar obligations (Details 3) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
Present value of the obligations at beginning of year	R$ 26503960	R$ 28681417	R$ 28057482
Current service cost (Note 39)	1,432	1,799	4,186
Interest cost	2,175,565	1,971,031	1,940,515
Benefits paid	(3,269,089)	(2,159,866)	(2,060,960)
Actuarial (gains)/losses	(1,347,974)	(1,992,512)	722,261
Others	42,826	2,091	17,933
Present value of the obligations at end of year	R$ 24106720	R$ 26503960	R$ 28681417

Provisions for pensions and s_7

Provisions for pensions and similar obligations (Details 4) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
Present value of the obligations at beginning of year	R$ 5123868	R$ 5918026	R$ 6251807
Current service cost (Note 39)	5,015	6,820	5,860
Interest cost	427,484	417,536	448,836
Benefits paid	(398,149)	(373,341)	(337,742)
Actuarial (gains)/losses	(569,554)	(845,173)	(450,735)
Present value of the obligations at end of year	R$ 4588664	R$ 5123868	R$ 5918026

Provisions for pensions and s_8

Provisions for pensions and similar obligations (Details 5) - Post Employment Plans [Member] - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Fair value of plan assets at beginning of year	R$ 28321826	R$ 28634891	R$ 25822890
Interest (Expense) Income	2,477,872	2,052,712	1,832,247
Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense	(950,298)	(791,317)	2,994,598
Contributions/(surrenders)	750,690	589,006	49,716
By the Bank	747,913	585,437	44,970
By plan participants	2,777	3,569	4,746
Benefits paid	(3,269,258)	(2,159,866)	(2,060,960)
Exchange differences and other items	(14,117)	(3,600)	(3,600)
Fair value of plan assets at beginning of year	R$ 27316715	R$ 28321826	R$ 28634891

Provisions for pensions and s_9

Provisions for pensions and similar obligations (Details 6) - Other Similar Obligations [Member] - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Fair value of plan assets at beginning of year	R$ 5096263	R$ 5398667	R$ 5222517
Interest (Expense) Income	449,758	402,551	377,462
Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense	(399,946)	(521,100)	(34,409)
Contributions/(surrenders)	164,876	151,926	132,416
By the Bank	164,876	151,926	132,416
Benefits paid	(365,544)	(335,781)	(299,319)
Fair value of plan assets at end of year	R$ 4945407	R$ 5096263	R$ 5398667

Provisions for pensions and _10

Provisions for pensions and similar obligations (Details 7) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
Experience Plan	R$ 739281	R$ 2640120	R$ 807895
Changes in Financial Assumptions	2,087,825	4,632,632	85,634
Changes in Financial Demographic	(174)
Gain (Loss) Actuarial - Obligation	1,348,370	1,992,512	(722,261)
Return on Investment, Return Unlike Implied Discount Rate	(962,916)	(791,317)	2,994,598
Gain (Loss) Actuarial - Asset	(962,916)	(791,317)	2,994,598
Changes in Surplus / Deficit Uncollectible	R$ 82891	R$ 630255	R$ 1318382

Provisions for pensions and _11

Provisions for pensions and similar obligations (Details 8) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
Experience Plan	R$ 10858	R$ 290878	R$ 289237
Changes in Financial Assumptions	580,286	1,136,497	182,120
Changes in Financial Demographic	126	(446)	(20,621)
Gain (Loss) Actuarial - Obligation	569,554	845,173	450,735
Return on Investment, Return Unlike Implied Discount Rate	(403,979)	(521,100)	(34,409)
Gain (Loss) Actuarial - Asset	(403,979)	(521,100)	(34,409)
Changes in Surplus Uncollectible	R$ 254205	R$ 313984	R$ 240010

Provisions for pensions and _12

Provisions for pensions and similar obligations (Details 9) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Post Employment Plans [Member]
IfrsStatementLineItems [Line Items]
Experience in Net Assets Adjustments	R$ 950298	R$ 791317	R$ 2994598
Other Similar Obligations [Member]
IfrsStatementLineItems [Line Items]
Experience in Net Assets Adjustments	R$ 399946	R$ 521100	R$ 34409

Provisions for pensions and _13

Provisions for pensions and similar obligations (Details 10) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Pensions And Similar Obligations
 Defined benefit plans uninsured	R$ 550687	R$ 613101	R$ 759370
 Defined benefit plans partially or totally covered	R$ 28000988	R$ 31014727	R$ 33840073

Provisions for pensions and _14

Provisions for pensions and similar obligations (Details 12) R$ in Thousands	12 Months Ended
	Dec. 31, 2021 BRL (R$)
Provisions For Pensions And Similar Obligations
2023	R$ 2490444
2024	2,537,599
2025	2,582,067
2026	2,623,161
2027	2,660,393
2028 to 2032	13,668,829
Total	R$ 26562493

Provisions for pensions and _15

Provisions for pensions and similar obligations (Details 13) - Sensitivity [Member] - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Sensitivity Current Service Cost And Interest [Member]
IfrsStatementLineItems [Line Items]
(+)0.5%	R$ 22524	R$ 25444	R$ 28711
(-)0.5%	24,802	28,133	32,099
Applied (+) 2 years	(42,586)	(44,619)	(47,637)
Applied (-) 2 years	45,310	47,934	54,226
(+)0.5%	29,297	31,280	34,718
(-)0.5%	(27,104)	(28,762)	(31,637)
Sensitivity Present Value Of Obligations [Member]
IfrsStatementLineItems [Line Items]
(+)0.5%	(240,984)	(305,114)	(402,547)
(-)0.5%	265,351	337,349	450,049
Applied (+) 2 years	(455,624)	(535,039)	(667,904)
Applied (-) 2 years	484,763	574,793	760,289
(+)0.5%	313,438	375,089	486,769
(-)0.5%	R$ 289978	R$ 344891	R$ 443569

Provisions for pensions and _16

Provisions for pensions and similar obligations (Details 14)	12 Months Ended
	Dec. 31, 2022
Banesprev Plans I [Member]
IfrsStatementLineItems [Line Items]
Plans	8 years 10 months 13 days
Banesprev Plans II [Member]
IfrsStatementLineItems [Line Items]
Plans	9 years 5 months 23 days
Banesprev Plans III [Member]
IfrsStatementLineItems [Line Items]
Plans	8 years 3 months 18 days
Banesprev Plans IV [Member]
IfrsStatementLineItems [Line Items]
Plans	10 years 1 month 9 days
Banesprev Plans V [Member]
IfrsStatementLineItems [Line Items]
Plans	7 years 2 months 8 days
Banesprev Pre-75 [Member]
IfrsStatementLineItems [Line Items]
Plans	7 years 9 months 29 days
Sanprev I [Member]
IfrsStatementLineItems [Line Items]
Plans	5 years 9 months 10 days
Sanprev II [Member]
IfrsStatementLineItems [Line Items]
Plans	9 years 2 months 26 days
Sanprev III [Member]
IfrsStatementLineItems [Line Items]
Plans	8 years 3 months
Bandeprev Basic [Member]
IfrsStatementLineItems [Line Items]
Plans	7 years 8 months 26 days
Bandeprev Special I [Member]
IfrsStatementLineItems [Line Items]
Plans	5 years 7 months 9 days
Bandeprev Special II [Member]
IfrsStatementLineItems [Line Items]
Plans	5 years 1 month 28 days
SantanderPrevi [Member]
IfrsStatementLineItems [Line Items]
Plans	5 years 10 months 24 days
C A C I B A N [Member]
IfrsStatementLineItems [Line Items]
Plans	5 years 8 months 1 day
D A B [Member]
IfrsStatementLineItems [Line Items]
Plans	4 years 9 months 14 days
D C A [Member]
IfrsStatementLineItems [Line Items]
Plans	5 years 2 months 1 day

Provisions for pensions and _17

Provisions for pensions and similar obligations (Details 15)	12 Months Ended
	Dec. 31, 2022 R$ / shares
Cabesp [Member]
IfrsStatementLineItems [Line Items]
Plans	R$ 11.83
Bandepe [Member]
IfrsStatementLineItems [Line Items]
Plans	9.79
Free Clinic [Member]
IfrsStatementLineItems [Line Items]
Plans	8.91
Lifetime officers [Member]
IfrsStatementLineItems [Line Items]
Plans	6.88
Health officers [Member]
IfrsStatementLineItems [Line Items]
Plans	22.61
Circulars [Member] | Top of range [member]
IfrsStatementLineItems [Line Items]
Plans	8.74
Circulars [Member] | Bottom of range [member]
IfrsStatementLineItems [Line Items]
Plans	7.98
Life Insurance [Member]
IfrsStatementLineItems [Line Items]
Plans	R$ 7.88

Provisions for pensions and _18

Provisions for pensions and similar obligations (Details 16)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Actuarial assumption of expected rates of pension increases [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation		8.40%	6.80%
Rate Calculation of Interest Under Assets to the Next Year		8.40%	6.80%
Estimated Long-term Inflation Rate	3%	3%	3.30%
Estimated Salary Increase Rate	3.50%	3.50%	3.80%
Mortality tables	AT2000	AT2000	AT2000
Actuarial assumption of expected rates of pension increases [member] | Bottom of range [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation	9.44%
Actuarial assumption of expected rates of pension increases [member] | Top of range [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation	9.64%
Actuarial assumption of medical cost trend rates [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation		8.40%	7.10%
Rate Calculation of Interest Under Assets to the Next Year		8.40%	7.10%
Estimated Long-term Inflation Rate	3%	3%	3.30%
Mortality tables	AT2000	AT2000	AT2000
Actuarial assumption of medical cost trend rates [member] | Bottom of range [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation	9.46%
Actuarial assumption of medical cost trend rates [member] | Top of range [member]
IfrsStatementLineItems [Line Items]
Nominal Discount Rate for Actuarial Obligation	9.64%

Provisions for pensions and _19

Provisions for pensions and similar obligations (Details Narrative) R$ in Thousands	12 Months Ended
	Dec. 31, 2022 BRL (R$)	Dec. 31, 2021 BRL (R$)	Dec. 31, 2020 BRL (R$)
IfrsStatementLineItems [Line Items]
Actual provision for pensions	R$ 1775202	R$ 2728126	R$ 3929265
Plan Assets As Percentage Of Total Plan Assets Debt Instruments	95.10%	96.68%	97.41%
Properties	0.16%	0.17%	0.17%
Plan Assets As Percentage Of Total Plan Assets Other	4.72%	3.15%	2.45%
Return on plan assets	R$ 1150276	R$ 1198815	R$ 4826845
Banesprev And Other Plan [Member]
IfrsStatementLineItems [Line Items]
Nominal discount rate	0.0944	0.0839	0.068
[custom:InflationRate]	3		3.3
[custom:EstimatedLongTermInflationRate]	3.52		3.8
Cabesp And Other Obligation [Member]
IfrsStatementLineItems [Line Items]
Nominal discount rate	0.0964	0.0844	0.071

Provisions for judicial and a_3

Provisions for judicial and administrative proceedings, commitments and other provisions (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Judicial And Administrative Proceedings Commitments And Other Provisions
Pension fund provisions and similar requirements	R$ 1775202	R$ 2728126	R$ 3929265
Provisions for lawsuits and administrative proceedings, commitments and other provisions	7,339,941	8,876,356	9,885,713
Judicial and administrative proceedings under the responsibility of former controlling stockholders (Note 15)	496	496	496
Judicial and administrative proceedings	6,754,262	7,668,914	8,648,892
Of which:
Civil	2,875,936	3,231,004	3,429,155
Labor	1,700,752	2,071,811	2,886,990
Tax and Social Security	2,177,574	2,366,099	2,332,747
Provisions for contingent commitments (Note 22.b.1)	430,484	908,027	724,779
Others provisions	154,700	298,919	511,546
Total	R$ 9115143	R$ 11604482	R$ 13814978

Provisions for judicial and a_4

Provisions for judicial and administrative proceedings, commitments and other provisions (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Balance at beginning of year	R$ 11604482	R$ 13814978	R$ 16326209
Interest expense and similar charges	156,637	217,413	276,933
Personnel Expenses	6,447	8,619	10,046
Constitutions / Reversals and Adjustment of provisions	1,693,032	1,996,170	1,578,446
Other Comprehensive Income	(401,147)	(833,511)	(1,133,245)
Additions to provisions for contingent commitments	(477,543)	183,248	40,861
Payments to external funds	(783,187)	(619,086)	(215,829)
Amount paid	(2,713,474)	(3,222,395)	(3,136,423)
Transfer to other assets - actuarial assets (Note 15)	27,856	27,045	17,695
Transfers, exchange differences and other changes	2,040	32,002	50,284
Balance at end of year	9,115,143	11,604,482	13,814,978
Pensions [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	2,728,126	3,929,265	4,960,620
Interest expense and similar charges	156,637	217,413	276,933
Personnel Expenses	6,447	8,619	10,046
Constitutions / Reversals and Adjustment of provisions	40,470	(1,618)	13,044
Other Comprehensive Income	(401,147)	(833,511)	(1,133,245)
Additions to provisions for contingent commitments
Payments to external funds	(783,187)	(619,086)	(215,829)
Amount paid
Transfer to other assets - actuarial assets (Note 15)	27,856	27,045	17,695
Transfers, exchange differences and other changes
Balance at end of year	1,775,202	2,728,126	3,929,265
Othe Provisions [Member]
IfrsStatementLineItems [Line Items]
Balance at beginning of year	8,876,356	9,885,713	11,365,589
Interest expense and similar charges
Personnel Expenses
Constitutions / Reversals and Adjustment of provisions	1,652,562	1,997,788	1,565,402
Other Comprehensive Income
Additions to provisions for contingent commitments	(477,543)	183,248	40,861
Payments to external funds
Amount paid	(2,713,474)	(3,222,395)	(3,136,423)
Transfer to other assets - actuarial assets (Note 15)
Transfers, exchange differences and other changes	2,040	32,002	50,284
Balance at end of year	R$ 7339941	R$ 8876356	R$ 9885713

Provisions for judicial and a_5

Provisions for judicial and administrative proceedings, commitments and other provisions (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provisions For Judicial And Administrative Proceedings Commitments And Other Provisions
Balance at beginning of year	R$ 908027	R$ 724779	R$ 683918
Creation of provision for contingent commitments	(477,543)	183,248	40,861
Balance at end of year	R$ 430484	R$ 908027	R$ 724779

Provisions for judicial and a_6

Provisions for judicial and administrative proceedings, commitments and other provisions (Details Narrative) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Jun. 30, 2022
Provisions For Judicial And Administrative Proceedings Commitments And Other Provisions
lawsuits and administrative proceedingd related to tax and social security	R$ 2436157	R$ 4075496
Provisional contribution on financial transaction on customer operations	1,016,253	945,715
Social security contribution	133,593	53,936
Tax on services	319,020	283,528	R$ 263183
Main lawsuite losses	33,065,986,000
Profit sharing on INSS	8,328,563
Tax on services ISS	4,716,156
Non approved compensation	5,319,526
Amortization of banco goodwill	1,547,782
Losess on credit operations	1,669,620
Use of CSLL tax loss and nagative basis	1,156,559
Amortization of banco goodwill banco sudameris	699,460,000
Capital gain IRPJ and CSLL		521,724,000
IRRF - Remittance Abroad				R$ 691975
Civil lawsuits with possible risk of loss	R$ 2488221
Civil lawsuits, in the amounts		R$ 496	R$ 496

Tax assets and liabilities (Det

Tax assets and liabilities (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tax Assets And Liabilities
Operating Profit Before Tax	R$ 19574727	R$ 24750329	R$ 9663975
Rates (25% income tax and 25% social contribution tax)	(8,890,954)	(12,375,164)	(4,348,789)
Tax expense (income) relating to gain (loss) on discontinuance	(3,629,609)	(1,679,789)	(1,589,260)
Equity in affiliates	3,880	72,114	85,723
Tax effect of impairment of goodwill		(559,247)	(183,854)
Exchange variation - foreign branches		768,902	6,831,484
Net Indeductible Expenses of Non-Taxable Income (3)	1,161,311	(230,958)	(57,663)
Constitution of income and social contribution taxes on temporary differences	312,227	264,191	551,983
Effects of change in rate of social contribution taxes	2,361,830	1,820,072	1,478,138
CSLL Aliquot Differential Effect (4)	715,075	1,192,687	353,777
Other adjustments	2,730,988	1,536,187	665,239
Adjustments for income tax expense	(5,235,252)	(9,191,005)	3,786,778
Current tax expense (income) and adjustments for current tax of prior periods	(4,597,818)	(8,087,119)	(5,111,380)
Adjustments for deferred tax expense	(637,434)	(1,103,886)	8,898,158
Taxes paid in the year	R$ 6077436	R$ 4534538	R$ 1269150

Tax assets and liabilities (D_2

Tax assets and liabilities (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tax Assets And Liabilities
Result generated by the exchange rate variations on the Bank's investment in the Cayman, Luxemburg and EFC Branch	R$ 2643931	R$ 3862128	R$ 16791857
Result generated by derivative contracts used as hedge	2,773,337	(6,374,108)	(30,374,869)
Tax effect of derivative contracts used as hedge - PIS / COFINS	(129,406)	275,052	311,819
Tax effect of derivative contracts used as hedge - IR / CS		R$ 2236928	R$ 13271193

Tax assets and liabilities (D_3

Tax assets and liabilities (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tax Assets And Liabilities
Operating Profit Before Tax	R$ 19574727	R$ 24750329	R$ 9663975
Income tax	R$ 5235252	R$ 9191005	R$ 3786778
Average effective tax rate	26.74%	37.13%	(39.18%)

Tax assets and liabilities (D_4

Tax assets and liabilities (Details 3) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tax Assets And Liabilities
Tax credited to equity	R$ 4853421	R$ 4583297	R$ 3008035
Measurement at fair value through other comprehensive income	2,061,631	1,978,165	472,472
Measurement of cash flow hedges	758,045	388,307	1,533
Measurement of investment hedges	562,352	562,353	562,353
Defined benefit plan	1,471,393	1,654,472	1,971,677
Tax charged to equity	(1,474,107)	(2,349,500)	(3,087,311)
Measurement at fair value through other comprehensive income	(1,465,965)	(2,340,394)	(2,700,991)
Measurement of cash flow hedges			(386,284)
Defined benefit plan	(8,142)	(9,106)	(36)
Total	R$ 3379314	R$ 2233797	R$ 79276

Tax assets and liabilities (D_5

Tax assets and liabilities (Details 4) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Tax Assets And Liabilities
Tax assets:	R$ 38607588	R$ 37640297	R$ 37981698
Temporary differences	33,086,551	32,884,314	32,113,436
Tax loss carry forwards	5,521,037	4,755,983	5,693,104
Social contribution taxes 18%			175,158
Total deferred tax assets	38,607,588	37,640,297	37,981,698
Tax liabilities:	3,642,000	2,225,190	4,546,595
Excess depreciation of leased assets	289,026		166,903
Adjustment to fair value of trading securities and derivatives	3,352,974	2,225,190	4,379,692
Total deferred tax liabilities	R$ 3642000	R$ 2225190	R$ 4546595

Tax assets and liabilities (D_6

Tax assets and liabilities (Details 5) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Balances At [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	R$ 38607588	R$ 37640297	R$ 37999396	R$ 30295060	R$ 37981699
Temporary differences	33,086,551	32,884,314	32,131,133	29,565,700	32,113,436
Tax loss carry forwards	5,521,037	4,755,983	5,693,104	367,120
Tax liabilities:	3,642,000	2,225,190	4,546,595	5,540,873
Temporary differences	3,642,000	2,225,190	4,546,595	5,540,873
Total	34,965,588	35,415,107	33,452,801	24,754,187	R$ 33435104
Social contribution taxes 18%			175,159	R$ 362240
Adjustment To Income [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	2,834,405	(3,609,495)	8,362,100
Temporary differences	2,069,351	(2,497,215)	3,223,197
Tax loss carry forwards	765,054	(937,121)	5,325,984
Tax liabilities:	2,898,723	(1,344,268)	129,231
Temporary differences	2,898,723	(1,344,268)	129,231
Total	(64,318)	(2,265,227)	8,232,869
Social contribution taxes 18%		(175,159)	(187,081)
Valuation Adjustments [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	(735,734)	1,696,091	(400,583)
Temporary differences	(735,734)	1,696,091	(400,583)
Tax loss carry forwards
Tax liabilities:	(647,856)	(977,137)	(1,063,160)
Temporary differences	(647,856)	(977,137)	(1,063,160)
Total	(87,878)	2,673,228	662,577
Social contribution taxes 18%
Other [Member]
IfrsStatementLineItems [Line Items]
Tax assets:	(1,131,380)	1,554,305	(418,784)
Temporary differences	(1,131,380)	1,554,305	(418,784)
Tax loss carry forwards
Tax liabilities:	(834,057)		(60,349)
Temporary differences	(834,057)		(60,349)
Total	(297,323)	1,554,305	(358,435)
Social contribution taxes 18%
Acquisition Merger [Member]
IfrsStatementLineItems [Line Items]
Tax assets:			161,603
Temporary differences			161,603
Tax loss carry forwards
Tax liabilities:
Temporary differences
Total			161,603
Social contribution taxes 18%

Tax assets and liabilities (D_7

Tax assets and liabilities (Details 6) R$ in Thousands	12 Months Ended
	Dec. 31, 2022 BRL (R$)
IfrsStatementLineItems [Line Items]
Temporary differences	R$ 33086551
Tax loss carry forwards	5,521,037
Social contribution taxes 18%
Total	38,607,588
Temporary differences	3,642,000
Total	3,642,000
Expected Realization Of Deferred Tax Assets 2023 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	11,738,573
Tax loss carry forwards	94,081
Social contribution taxes 18%
Total	11,832,654
Temporary differences	674,661
Total	674,661
Expected Realization Of Deferred Tax Assets 2024 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	9,210,122
Tax loss carry forwards	110,376
Social contribution taxes 18%
Total	9,320,498
Temporary differences	691,457
Total	691,457
Expected Realization Of Deferred Tax Assets 2025 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	9,001,904
Tax loss carry forwards	850,688
Social contribution taxes 18%
Total	9,852,592
Temporary differences	506,886
Total	506,886
Expected Realization Of Deferred Tax Assets 2026 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	1,577,206
Tax loss carry forwards	5,097
Social contribution taxes 18%
Total	1,582,303
Temporary differences	853,414
Total	853,414
Expected Realization Of Deferred Tax Assets 2027 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	986,375
Tax loss carry forwards	4,029
Social contribution taxes 18%
Total	990,404
Temporary differences	853,414
Total	853,414
Expected Realization Of Deferred Tax Assets 2028 To 2033 [Member]
IfrsStatementLineItems [Line Items]
Temporary differences	572,371
Tax loss carry forwards	4,456,766
Social contribution taxes 18%
Total	5,029,137
Temporary differences	62,168
Total	R$ 62168

Other liabilities (Details)

Other liabilities (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Liabilities
Accrued expenses and deferred income	[1]	R$ 4127300	R$ 2649744	R$ 5115936
Transactions in transit	[2]	794,786	796,671	674,162
Provision for share-based payment		340,789	319,660	325,930
Liabilities for insurance contracts		1,950,220	2,011,596	1,987,577
Other	[3]	5,679,249	4,723,707	5,947,640
Total		R$ 12892344	R$ 10501378	R$ 14051245
[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.

Other Comprehensive Income (Det

Other Comprehensive Income (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Government debt securities	R$ 54809740	R$ 101158055	R$ 109317614
Private-sector debt securities	582,438	54,545	38,131
Total	55,392,178	101,212,600	109,668,214
Total			109,355,745
Revaluation Gains [Member]
IfrsStatementLineItems [Line Items]
Government debt securities	1,460,128	6,756,252	11,061,691
Private-sector debt securities	428,640	795,765	953,043
Total	1,888,768	7,552,017
Total			12,014,734
Revaluation Losses [Member]
IfrsStatementLineItems [Line Items]
Government debt securities	(2,544,087)	(9,937,757)	(8,832,504)
Private-sector debt securities	(52,114)	(3,965)	(840,101)
Total	(2,596,201)	(9,941,722)
Total			(9,672,605)
Net Revaluation Gains Losses [Member]
IfrsStatementLineItems [Line Items]
Government debt securities	(1,083,959)	(3,181,505)	2,229,187
Private-sector debt securities	376,526	791,800	112,942
Total	R$ 707433	R$ 2389705
Total			R$ 2342129

Non-controlling interests (Deta

Non-controlling interests (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Non-controlling Interests
Financial Position of non-controlling interest	R$ 497342	R$ 334349	R$ 312885
Banco PSA Finance Brasil S.A.	130,404	129,289	138,644
Rojo Entretenimento S.A.	7,692	6,939	7,087
Banco Hyundai Capital	218,808	183,538	167,155
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.	(72)	3,109
Toro Corretora de Títulos e valores Mobiliários S.A.	115,671	11,474
Toro Investimentos S.A.	19,899
Solution 4fleet Consultoria Empresarial S.A.	1,648
Apê11 Tecnologia e Negócios Imobiliários S.A. (Apê11)	R$ 3292

Non-controlling interests (De_2

Non-controlling interests (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Non-controlling Interests
Profit attributable to non-controlling interests	R$ 52382	R$ 31272	R$ 32224
Of which:
Santander Leasing S.A. Arrendamento Mercantil			(444)
Banco PSA Finance Brasil S.A.	11,657	12,688	14,146
Rojo Entretenimento S.A.	530	(148)	(159)
Banco Hyundai Capital	41,107	21,563	18,681
GIRA, Gestão Integrada de Recebíveis do Agronegócio S.A.	(3,182)	1,569
Toro Corretora de Títulos e Valores Mobiliários S.A.	2,693	(4,400)
Toro Investimentos S.A.	1,229
Solution 4Fleet Consultoria Empresarial S.A.	(1,023)
Apê11 Tecnologia e Negócios Imobiliários S.A. (Apê11)	R$ 629

Non-controlling interests (De_3

Non-controlling interests (Details 2) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Non-controlling Interests
Balance at beginning of year		R$ 334349	R$ 312885	R$ 558581
Change in the scope of consolidation	[1]		17,415	(271,078)
Incorporation / Acquisition		20,446
Dividends paid / Interest on Capital		(7,432)	(19,138)
Capital increase		66,957
Profit attributable to non-controlling interests		52,382	31,272	32,224
Others		30,640	(8,085)	(6,842)
Balance at end of year		R$ 497342	R$ 334349	R$ 312885
[1]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.

Shareholders' equity (Details)

Shareholders' equity (Details) - shares	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Brazilian residents	267,242	245,063	245,323
Foreign residents	7,231,289	7,253,468	7,253,208
Total shares	7,498,531	7,498,531	7,498,531
(-) Treasury shares	(62,324)	(31,510)	(37,658)
Total outstanding	7,436,207	7,467,021	7,460,873
Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Brazilian residents	120,850	109,718	109,885
Foreign residents	3,697,845	3,708,977	3,708,810
Total shares	3,818,695	3,818,695	3,818,695
(-) Treasury shares	(31,162)	(15,755)	(18,829)
Total outstanding	3,787,533	3,802,940	3,799,866
Preference shares [member]
IfrsStatementLineItems [Line Items]
Brazilian residents	146,392	135,345	135,438
Foreign residents	3,533,444	3,544,491	3,544,398
Total shares	3,679,836	3,679,836	3,679,836
(-) Treasury shares	(31,162)	(15,755)	(18,829)
Total outstanding	3,648,674	3,664,081	3,661,007

Shareholders' equity (Details 1

Shareholders' equity (Details 1) - BRL (R$) R$ / shares in Units, R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Real	R$ 8100000	R$ 9649000	R$ 3837085
Interim Dividends I [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	R$ 1300000	R$ 3000000	R$ 512085
Interim Dividends I [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	R$ 165.95	R$ 382.98	R$ 65.43
Interim Dividends I [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	182.55	421.28	71.97
Interim Dividends I [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	R$ 348.50	R$ 804.26	R$ 137.40
Interest On Capital 1 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	R$ 1700000		R$ 890000
Interest On Capital 1 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	R$ 217.02		R$ 113.71
Interest On Capital 1 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	238.72		125.08
Interest On Capital 1 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	455.73		238.79
Interest On Capital 2 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	184.46		96.65
Interest On Capital 2 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	202.91		106.32
Interest On Capital 2 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	R$ 387.37		R$ 202.97
Interim Dividends 6 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	R$ 700000	R$ 3000000
Interim Dividends 6 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	R$ 89.45	R$ 382.98
Interim Dividends 6 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	98.40	421.28
Interim Dividends 6 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	R$ 187.85	804.26
Interest On Capital 3 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	R$ 1000000		R$ 770000
Interest On Capital 3 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	R$ 127.79		R$ 98.37
Interest On Capital 3 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	140.57		108.21
Interest On Capital 3 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	268.36		206.58
Interest On Capital 4 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	108.62		83.62
Interest On Capital 4 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	119.48		91.98
Interest On Capital 4 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	R$ 228.10		R$ 175.60
Interest On Capital 5 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	R$ 1700000		R$ 1000000
Interest On Capital 5 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	R$ 217.75		R$ 127.76
Interest On Capital 5 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	239.52		140.54
Interest On Capital 5 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	457.27		268.30
Interest On Capita 10 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	185.09		108.59
Interest On Capital 10 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	203.59		119.45
Interest On Capital 10 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	R$ 388.68		228.04
Interim Dividends 7 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	R$ 820000
Interim Dividends 7 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	R$ 105.02	382.98
Interim Dividends 7 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	115.53	421.28
Interim Dividends 7 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	R$ 220.55	804.26
Interest On Capital 6 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real	R$ 880000
Interest On Capital 6 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	R$ 112.71
Interest On Capital 6 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	123.98
Interest On Capital 6 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	236.69
Interest On Capital 7 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares	95.80
Interest On Capital 7 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares	105.38
Interest On Capital 7 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares	R$ 201.19
Interim Dividends V I [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares		382.98	65.43
Interim Dividends V I [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares		421.28	71.97
Interim Dividends V I [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares		R$ 804.26	R$ 137.40
Interest On Capital I I [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real		R$ 3400000
Interest On Capital I I [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares		R$ 434.04
Interest On Capital I I [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares		477.45
Interest On Capital I I [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares		911.49
Interest On Capita V [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares		368.94
Interest On Capital V [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares		405.83
Interest On Capital V [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares		R$ 774.77
Interest On Capital 8 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real		R$ 249000
Interest On Capital 8 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares		R$ 31.79
Interest On Capital 8 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares		34.97
Interest On Capital 8 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares		66.75
Interest On Capita 9 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares		27.02
Interest On Capital 9 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares		29.72
Interest On Capital 9 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares		R$ 56.74
Interest On Capital 11 [Member] | Thousand Of Reais [Member]
IfrsStatementLineItems [Line Items]
Real			R$ 665000
Interest On Capital 11 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares			R$ 84.96
Interest On Capital 11 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares			93.45
Interest On Capital 11 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares			178.41
Interest On Capita 12 [Member] | Ordinary shares [member]
IfrsStatementLineItems [Line Items]
Shares			72.21
Interest On Capital 12 [Member] | Preference shares [member]
IfrsStatementLineItems [Line Items]
Shares			79.44
Interest On Capital 12 [Member] | Shares Units [Member]
IfrsStatementLineItems [Line Items]
Shares			R$ 151.65

Shareholders' equity (Details 2

Shareholders' equity (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Shareholders Equity
Treasury shares at beginning of the period	15,755	18,829	16,702
Shares Acquisitions	20,297	91	5,052
Payment - Share-based compensation	(4,891)	(3,165)	(2,925)
Treasury shares at end of the period	31,161	15,755	18,829
Balance of Treasury Shares in thousand of reais	R$ 1217545	R$ 711268	R$ 789587
Emission Costs in thousands of Reais	1,771	1,771	1,771
Balance of Treasury Shares in thousands of reais	R$ 1219316	R$ 713039	R$ 791358
Minimum cost	R$7.55	R$7.55	R$7.55
Weighted average cost	R$27.73	R$33.86	R$33.24
Minimum cost	R$49.55	R$49.55	R$49.55
Share Price	R$28.19	R$29.98	R$44.83

Shareholders_ equity (Details N

Shareholders’ equity (Details Narrative) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Shareholders Equity
Share issued	9,090,909,090
Description of buyback program		The Buyback Program covers the acquisition of up to 36,986,424 Units, representing 36,986,424 common shares and 36,986,424 preferred shares, which corresponded, on June 30, 2022, to approximately 1% of the Bank's share capital. As of June 30, 2022, Banco Santander had 345,962,035 common shares and 373,766,448 preferred shares outstanding.
Gain on sold of treasury shares	R$ 68895	R$ 40820	R$ 9274

Earnings per share (Details)

Earnings per share (Details) - BRL (R$) R$ / shares in Units, R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Profit attributable to the Parent	R$ 14287093	R$ 15528052	R$ 13418529
Basic Earnings Per Shares Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Basic earnings (loss) per share	R$ 1831.43	R$ 1981.65	R$ 1713.45
Preferred shares	2,014.57	2,179.82	1,884.80
Net Profit Attributable Basic Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Basic earnings (loss) per share	6,936,588	7,535,924	6,511,367
Preferred shares	7,350,505	7,992,128	6,907,162
Weighted Average Shares Outstanding In Thousands Basic [Member]
IfrsStatementLineItems [Line Items]
Basic earnings (loss) per share	3,787,533	3,802,851	3,800,140
Preferred shares	R$ 3648674	R$ 3666423	R$ 3664666

Earnings per share (Details 1)

Earnings per share (Details 1) - BRL (R$) R$ / shares in Units, R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Profit attributable to the Parent	R$ 14287093	R$ 15528052	R$ 13418529
Diluted Earnings Per Shares Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Common shares	R$ 1831.43	R$ 1981.65	R$ 1713.45
Preferred shares	2,014.57	2,179.82	1,884.80
Net Profit Attributable Diluted Brazilian Reais [Member]
IfrsStatementLineItems [Line Items]
Common shares	6,936,588	7,535,924	6,511,367
Preferred shares	7,350,505	7,992,128	6,907,162
Weighted Average Shares Outstanding In Thousands Diluted [Member]
IfrsStatementLineItems [Line Items]
Common shares	3,787,533	3,802,851	3,800,140
Preferred shares	R$ 3648674	R$ 3666423	R$ 3664666

Fair value of financial asset_3

Fair value of financial assets and liabilities (Details) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Financial assets at fair value through profit or loss, mandatorily measured at fair value	R$ 58546614000	R$ 18858842000	R$ 60900466000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossDebtInstruments-0]	3,956,833,000	3,122,017,000	3,545,660,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]	54,589,781,000	15,736,825,000	57,354,806,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	84,834,356,000	70,570,665,000	98,466,232,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingDebtInstruments-0]	62,234,621,000	47,752,595,000	68,520,799,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingEquityInstruments-0]	2,365,229,000	2,020,610,000	1,818,276,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives-0]	20,234,506,000	20,797,460,000	25,504,051,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	2,134,332,000	870,162,000	499,720,000
[custom:NontradingFinancialAssetsMandatorilyMeasuredAtFairValueThroughProfitOrLossEquityInstruments-0]	240,050,000	477,707,000	438,912,000
Loans and advance to clients	1,894,282,000	392,455,000	60,808,000
Financial assets measured at fair value through other comprehensive income	55,425,671,000	101,241,787,000	109,740,387,000
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstruments-0]	55,392,178,000	101,212,600,000	109,668,214,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income Equity Instruments2	33,493,000	29,187,000	72,173,000
Hedging instrument, assets	1,741,318,000	342,463,000	743,463,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]	40,746,748,000	36,952,567,000	77,643,291,000
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives2	18,699,325,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortPositions-0]	22,047,423,000	12,780,559,000	45,807,946,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss-0]	8,921,518,000	7,459,784,000	7,038,467,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossDepositsFromBrazilianCentralBankAndDepositsFromCreditInstitutions-0]	8,921,518,000	7,459,784,000	7,038,467,000
Hedging instrument, liabilities		446,973,000	144,594,000
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives1		24,172,008,000	31,835,344,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivative-0]			28,127,157,000
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstrument-0]			109,668,214,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortsPositions-0]			45,807,947,000
Level 1 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Financial assets at fair value through profit or loss, mandatorily measured at fair value	617,356,000	601,204,000	588,778,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossDebtInstruments-0]	617,356,000	601,204,000	588,778,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	62,749,831,000	49,462,429,000	70,139,962,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingDebtInstruments-0]	60,482,471,000	47,582,871,000	68,461,854,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingEquityInstruments-0]	2,267,360,000	1,879,558,000	1,678,108,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives-0]
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss
[custom:NontradingFinancialAssetsMandatorilyMeasuredAtFairValueThroughProfitOrLossEquityInstruments-0]
Loans and advance to clients
Financial assets measured at fair value through other comprehensive income	52,154,497,000	98,977,403,000	106,456,132,000
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstruments-0]	52,154,405,000	98,975,973,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income Equity Instruments2	92,000	1,430,000	1,487,000
Hedging instrument, assets
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives2
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortPositions-0]
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss-0]
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossDepositsFromBrazilianCentralBankAndDepositsFromCreditInstitutions-0]
Hedging instrument, liabilities
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives1
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstrument-0]			106,454,645,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortsPositions-0]
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Financial assets at fair value through profit or loss, mandatorily measured at fair value	55,500,261,000	15,736,825,000	57,354,806,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossDebtInstruments-0]	910,480,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]	54,589,781,000	15,736,825,000	57,354,806,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	21,304,134,000	20,608,008,000	27,508,722,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingDebtInstruments-0]	1,508,342,000	19,329,000	11,848,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingEquityInstruments-0]	97,869,000	85,029,000	128,251,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives-0]	19,697,923,000	20,503,650,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	1,691,606,000	420,898,000	217,569,000
[custom:NontradingFinancialAssetsMandatorilyMeasuredAtFairValueThroughProfitOrLossEquityInstruments-0]	211,788,000	98,921,000	185,790,000
Loans and advance to clients	1,479,818,000	321,977,000	31,779,000
Financial assets measured at fair value through other comprehensive income	1,767,733,000	1,662,779,000	1,987,234,000
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstruments-0]	1,762,547,000	1,649,925,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income Equity Instruments2	5,186,000	12,854,000	33,730,000
Hedging instrument, assets	1,741,318,000	342,463,000	743,463,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]	40,512,986,000	36,484,135,000	76,890,170,000
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives2	18,465,563,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortPositions-0]	22,047,423,000	12,780,559,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss-0]	8,921,518,000	7,459,784,000	7,038,467,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossDepositsFromBrazilianCentralBankAndDepositsFromCreditInstitutions-0]	8,921,518,000	7,459,784,000	7,038,467,000
Hedging instrument, liabilities		446,973,000	144,594,000
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives1		23,703,576,000	31,082,223,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivative-0]			27,368,623,000
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstrument-0]			1,953,504,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortsPositions-0]			45,807,947,000
Level 3 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Financial assets at fair value through profit or loss, mandatorily measured at fair value	2,428,997,000	2,520,813,000	2,956,882,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossDebtInstruments-0]	2,428,997,000	2,520,813,000	2,956,882,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	780,391,000	500,228,000	817,548,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingDebtInstruments-0]	243,808,000	150,395,000	47,097,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingEquityInstruments-0]		56,023,000	11,917,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives-0]	536,583,000	293,810,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	442,726,000	449,264,000	282,151,000
[custom:NontradingFinancialAssetsMandatorilyMeasuredAtFairValueThroughProfitOrLossEquityInstruments-0]	28,262,000	378,786,000	253,122,000
Loans and advance to clients	414,464,000	70,478,000	29,029,000
Financial assets measured at fair value through other comprehensive income	1,503,441,000	601,605,000	1,297,021,000
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstruments-0]	1,475,226,000	586,702,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income Equity Instruments2	28,215,000	14,903,000	36,956,000
Hedging instrument, assets
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]	233,762,000	468,432,000	753,121,000
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives2	233,762,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortPositions-0]
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss-0]
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossDepositsFromBrazilianCentralBankAndDepositsFromCreditInstitutions-0]
Hedging instrument, liabilities
FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivatives1		R$ 468432000	753,121,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossHeldForTradingTradingDerivative-0]			758,534,000
[custom:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeDebtInstrument-0]			1,260,065,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTradingShortsPositions-0]

Fair value of financial asset_4

Fair value of financial assets and liabilities (Details 1) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
IfrsStatementLineItems [Line Items]
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]	R$ 40746748000	R$ 36952567000	R$ 75020184000
At fair value [member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	2,428,997,000	2,520,813,000
Financial Assets Measured At Fair Value Through Profit Or Loss			2,956,882,000	R$ 2627405000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	780,391,000	462,156,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading			817,548,000	715,548,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	442,726,000	449,264,000	282,151,000	27,749,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	1,503,441,000	601,604,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income			1,297,021,000	951,966,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss	233,762,000	433,583,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss			753,121,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]			753,121,000	564,757,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading1-0]				R$ 1600000000
Gains Losses Realized Not Realized [Member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	(139,603,000)	99,401,000	83,832,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	140,780,000	(802,760,000)	502,596,000
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	(49,069,000)	78,853,000	100,091,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	(4,792,000)	(268,095,000)	(21,677,000)
Financial Liabilities Measured At Fair Value Through Profit Or Loss	(176,639,000)	(337,847,000)
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]			500,159,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading1-0]
Transfers In And Or Out Of Level 3 [Member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	(156,307,000)		(239,512,000)
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	(57,926,000)	(36,051,000)	(231,468,000)
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	(66,980,000)		125,282,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	325,456,000		(197,098,000)
Financial Liabilities Measured At Fair Value Through Profit Or Loss	(89,734,000)	(137,963,000)
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]			(406,971,000)
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading1-0]
Additions Settled [Member]
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Fair Value Through Profit Or Loss	204,094,000	(535,470,000)	485,157,000
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	197,309,000	483,419,000	(169,128,000)
Non-Trading Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss	109,511,000	88,260,000	29,029,000
Financial Assets Measured At Fair Value Through Other Comprehensive Income	581,172,000	(427,322,000)	563,830,000
Financial Liabilities Measured At Fair Value Through Profit Or Loss	R$ 31703000	R$ 156272000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading-0]			95,176,000
[custom:FinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLossHeldForTrading1-0]			R$ 1600000000

Fair value of financial asset_5

Fair value of financial assets and liabilities (Details 2) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Financial Assets Measured At Amortized Cost	R$ 488735746000	R$ 464451587000	R$ 393707229000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]	54,589,781,000	15,736,825,000	57,354,806,000
Level 1 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil	22,003,439,000	16,657,201,000	20,148,725,000
Financial Assets Measured At Amortized Cost
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAmountsDueFromCreditInstitutionsNote
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAdvancesToCustomersNote
FinancialAssetsMeasuredAtAmortizedCostDebtInstrumentsNote	23,419,946,000	28,472,612,000	4,425,723,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]
FinancialAssetsMeasuredAtOtherThanFairValue	45,423,385,000	45,129,813,000	24,574,448,000
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil
Financial Assets Measured At Amortized Cost
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAmountsDueFromCreditInstitutionsNote	2,439,823,000	4,129,438,000	715,526,000
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAdvancesToCustomersNote		6,044,808,000	4,530,041,000
FinancialAssetsMeasuredAtAmortizedCostDebtInstrumentsNote	9,873,633,000	12,124,154,000	17,486,057,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]	54,589,781,000	15,736,825,000	57,354,806,000
FinancialAssetsMeasuredAtOtherThanFairValue	85,359,755,000	91,477,241,000	81,508,836,000
Level 3 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil
Financial Assets Measured At Amortized Cost
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAmountsDueFromCreditInstitutionsNote	18,273,492,000	22,356,475,000	53,357,038,000
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAdvancesToCustomersNote	484,362,272,000	454,480,941,000	392,348,278,000
FinancialAssetsMeasuredAtAmortizedCostDebtInstrumentsNote	47,836,403,000	33,477,329,000	28,052,167,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]
FinancialAssetsMeasuredAtOtherThanFairValue	550,472,167,000	510,314,745,000	473,757,483,000
Carrying amount [member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil	22,003,439,000	16,657,201,000	20,148,725,000
Financial Assets Measured At Amortized Cost
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAmountsDueFromCreditInstitutionsNote	20,713,315,000	26,485,913,000	54,072,564,000
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAdvancesToCustomersNote	488,735,746,000	464,451,587,000	393,707,229,000
FinancialAssetsMeasuredAtAmortizedCostDebtInstrumentsNote	81,329,013,000	73,125,011,000	48,367,791,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]	73,046,299,000	69,178,841,000	58,777,212,000
FinancialAssetsMeasuredAtOtherThanFairValue	685,827,812,000	649,898,553,000	575,073,521,000
Fair Value [Member]
IfrsStatementLineItems [Line Items]
Open market investments - Central Bank of Brazil	22,003,439,000	16,657,201,000	20,148,725,000
Financial Assets Measured At Amortized Cost
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAmountsDueFromCreditInstitutionsNote	20,713,315,000	26,485,913,000	54,072,564,000
FinancialAssetsMeasuredAtOtherThanFairValueLoansAndAdvancesToCustomersNote	484,362,272,000	460,525,749,000	396,878,319,000
FinancialAssetsMeasuredAtAmortizedCostDebtInstrumentsNote	81,129,982,000	74,074,095,000	49,963,947,000
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]	73,046,299,000	69,178,841,000	58,777,212,000
FinancialAssetsMeasuredAtOtherThanFairValue	681,255,307,000	646,921,799,000	579,840,767,000
Level 1 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]	73,046,299,000	69,178,841,000	58,777,212,000
Level 3 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
[custom:FinancialAssetsMeasuredAtFairValueThroughProfitOrLossBalancesWithTheBrazilianCentralBank-0]

Fair value of financial asset_6

Fair value of financial assets and liabilities (Details 3) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Level 1 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions
FinancialLiabilitiesMeasuredAtOtherThanFairValueCustomerDeposits
FinancialLiabilitiesMeasuredAtOtherThanFairValueMarketableDebtSecurities
Debt instruments Eligible Capital
FinancialLiabilitiesMeasuredAtOtherThanFairValueOtherFinancialLiabilities
FinancialLiabilitiesMeasuredAtOtherThanFairValue
Subordinated Debt
Level 2 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	24,734,029,000	26,200,162,000	58,579,090,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueCustomerDeposits	63,223,998,000	60,911,279,000	55,096,002,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueMarketableDebtSecurities
Debt instruments Eligible Capital
FinancialLiabilitiesMeasuredAtOtherThanFairValueOtherFinancialLiabilities
FinancialLiabilitiesMeasuredAtOtherThanFairValue	87,958,027,000	87,111,441,000	113,675,092,000
Subordinated Debt
Level 3 of fair value hierarchy [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	91,344,985,000	94,805,747,000	73,075,341,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueCustomerDeposits	426,696,268,000	408,049,671,000	390,760,088,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueMarketableDebtSecurities	105,554,365,000	79,035,644,000	57,265,307,000
Debt instruments Eligible Capital	19,537,618,000	19,641,408,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueOtherFinancialLiabilities	62,593,104,000	61,448,516,000	59,822,683,000
FinancialLiabilitiesMeasuredAtOtherThanFairValue	705,726,340,000	662,980,986,000	594,043,080,000
Subordinated Debt			13,119,660,000
Carrying amount [member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	116,079,014,000	121,005,909,000	131,656,962,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueCustomerDeposits	489,953,489,000	468,961,069,000	445,813,972,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueMarketableDebtSecurities	107,120,875,000	79,036,792,000	56,875,514,000
Debt instruments Eligible Capital	19,537,618,000	19,641,408,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueOtherFinancialLiabilities	62,593,104,000	61,448,516,000	59,822,683,000
FinancialLiabilitiesMeasuredAtOtherThanFairValue	795,284,100,000	750,093,694,000	707,288,791,000
Subordinated Debt			13,119,660,000
Fair Value [Member]
IfrsStatementLineItems [Line Items]
Deposits of Brazil's Central Bank and deposits of credit institutions	116,079,014,000	121,005,909,000	131,654,431,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueCustomerDeposits	489,920,266,000	468,960,950,000	445,856,090,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueMarketableDebtSecurities	105,554,365,000	79,035,644,000	57,265,307,000
Debt instruments Eligible Capital	19,537,618,000	19,641,408,000
FinancialLiabilitiesMeasuredAtOtherThanFairValueOtherFinancialLiabilities	62,593,104,000	61,448,516,000	59,822,683,000
FinancialLiabilitiesMeasuredAtOtherThanFairValue	R$ 793684367000	R$ 750092427000	707,718,171,000
Subordinated Debt			R$ 13119660000

Operational Ratios (Details)

Operational Ratios (Details)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operational Ratios
Tier I Regulatory Capital	75,943.7	76,969.9	77,571.5
Principal Capital	69,229	69,919.9	71,006.3
Supplementary Capital	6,714.7	7,050.1	6,565.2
Tier II Regulatory Capital	13,109.8	12,591.3	6,554.5
Regulatory Capital (Tier I and II)	89,053.5	89,561.3	84,126
Credit Risk	559,230.6	527,119.3	478,303.5
Market Risk	19,332.1	15,122.2	15,846.3
Operational Risk	60,073.2	58,499.8	57,419.4
Total RWA	638,635.9	600,741.3	551,569.2
Basel I Ratio	11.89	12.81	14.06
Basel Principal Capital	10.84	11.64	12.87
Basel Regulatory Capital	13.94	14.91	15.25

Interest and similar income (De

Interest and similar income (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest And Similar Income
Cash and balances with the Brazilian Central Bank	R$ 10202362	R$ 2581083	R$ 1552121
Loans and advances - Credit institutions	2,722,311	1,116,013	1,518,557
Loans and advances - Customers	73,596,047	55,775,027	44,103,997
Debt instruments	22,001,700	16,957,840	13,556,403
Pension Plans (note 21)	19,587	19,612	16,720
Other interest	6,683,111	1,537,733	2,027,142
Total	R$ 115225118	R$ 77987308	R$ 62774940

Interest expense and similar _3

Interest expense and similar charges (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest Expense And Similar Charges
Credit institutions deposits		R$ 6736736	R$ 4712388	R$ 4327276
Customer deposits		38,508,954	13,187,967	7,504,276
Marketable debt securities and subordinated liabilities:
Marketable debt securities (note 18)		6,951,908	4,536,849	2,785,942
Debt Instruments Eligible to Compose Capital (note 19)		863,394	902,398	909,393
Pension Plans (note 21)		176,224	237,024	293,653
Other interest	[1]	14,484,725	3,092,216	2,511,688
Total		R$ 67721941	R$ 26668842	R$ 18332228
[1]It is mainly composed of Expenses with Interest on Repo Agreements

Income from equity instrument_2

Income from equity instruments (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Equity Instruments
Financial Assets Measured At Fair Value Through Profit Or Loss	R$ 33985	R$ 89563	R$ 30232
Financial Assets Measured At Fair Value Through Other Comprehensive Income	4,088	477	3,522
Total	R$ 38073	R$ 90040	R$ 33754

Fee and commission income (Deta

Fee and commission income (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Collection and payment services:
Bills	R$ 1097170	R$ 1228497	R$ 1146929
Demand accounts	2,917,271	3,088,728	2,984,289
Cards (Credit and Debit) and Acquiring Services	5,890,549	5,208,160	6,300,583
Checks and other	109,014	108,487	126,481
Orders	751,766	660,177	844,056
Total	10,765,770	10,294,049	11,402,338
Marketing of non-Banking financial products:
Investment funds	568,455	672,915	545,822
Insurance	3,524,201	3,499,342	3,043,036
Capitalization plans	803,052	703,980	630,453
Total	4,895,708	4,876,237	4,219,311
Securities services:
Securities underwriting and placement	1,017,763	894,182	695,654
Securities trading	325,960	304,507	267,576
Administration and custody	704,936	640,608	485,756
Asset management	890	946	1,161
Total	2,049,549	1,840,243	1,450,147
Other:
Foreign exchange	1,888,194	1,511,807	1,396,715
Financial guarantees	678,908	804,503	728,232
Other fees and commissions	959,594	1,061,250	1,409,964
Total	3,526,696	3,377,560	3,534,911
Total	R$ 21237723	R$ 20388089	R$ 20606707

Fee and commission expense (Det

Fee and commission expense (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fee And Commission Expense
Commissions assigned to third parties	[1]	R$ 3918115	R$ 3019496	R$ 2781568
Other fees and commissions		2,443,728	2,095,292	1,596,925
Total		R$ 6361843	R$ 5114788	R$ 4378493
[1]Composed, mainly, by credit cards.

Gains or losses on financial _3

Gains or losses on financial assets and liabilities (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Gains Or Losses On Financial Assets And Liabilities
Financial Assets Measured At Fair Value Through Profit Or Loss		R$ 1626177	R$ 1555837	R$ 711949
Financial Assets Measured At Fair Value Through Profit Or Loss Held For Trading	[1]	3,445,525	3,519,626	12,122,794
Non-Tranding Financial Assets Mandatorily Measured At Fair Value Through Profit Or Loss		(270,616)	205,016	172,828
Financial Assets Not Measured At Fair Value Through Profit Or Loss		(239,777)	(665,853)	(239,054)
Financial Assets available-for-sale
Debt instruments		(42,552)	(432,510)	(207,011)
Equity instruments		(197,225)	(233,343)	(32,043)
Financial Assets Measured At Fair Value Through Other Comprehensive Income
Gains or losses from hedge accounting, net		(407,973)	(4,392,844)	229,543
Total		R$ 4153336	R$ 221782	R$ 12998060
[1]Includes the exchange hedge of the Bank’s interest in Cayman (note 23).

Exchange differences (net) (Det

Exchange differences (net) (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Exchange Differences
Revenue with Exchange Variations	R$ 170221459	R$ 196480319	R$ 78578786
Expenses with Exchange Variations	(169,675,569)	(198,482,605)	(103,279,748)
Total	R$ 545890	R$ 2002286	R$ 24700962

Other operating income and ex_3

Other operating income and expenses (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Operating Income And Expenses
Other operating income	R$ 885774	R$ 914084	R$ 792639
Other operating expense	(1,238,328)	(1,559,663)	(1,237,133)
Contributions to fund guarantee of credit - FGC	(488,448)	(473,801)	(428,016)
Total	R$ 841002	R$ 1119380	R$ 872510

Personnel expenses (Details)

Personnel expenses (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Personnel Expenses
Wages and salaries	R$ 6311240	R$ 5905394	R$ 5730779
Social security costs	1,431,129	1,153,164	1,222,352
Benefits	1,602,744	1,434,815	1,390,044
Defined benefit pension plans (note 22)	6,447	6,415	6,892
Contributions to defined contribution pension plans	128,091	152,156	117,216
Share-based compensation	39,876	24,045	19,348
Training	59,832	54,858	49,037
Other personnel expenses	317,636	294,855	335,814
Total	R$ 9896995	R$ 9025702	R$ 8871482

Personnel expenses (Details 1)

Personnel expenses (Details 1) - Local [Member]	12 Months Ended
	Dec. 31, 2022	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$            40,403	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$       4,002,000	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$     23,490,000	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$       1,500,000	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	111,066	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	304,594	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	209,278	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	139,163	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	343,863	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	222,178	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	159,253	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	832,569	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	124,184	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	370,477	404,630

Personnel expenses (Details 2)

Personnel expenses (Details 2) - 01/01 to 12/31/2020 [Member] - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Santander Brasil Bank Shares [Member] | Local [Member]
IfrsStatementLineItems [Line Items]
Impact on Results - Personnel Expenses	R$ 25506	R$ 20720	R$ 10776
Santander Spain Shares and Options [Member] | Global [Member]
IfrsStatementLineItems [Line Items]
Impact on Results - Personnel Expenses	R$ 3706	R$ 3534	R$ 846

Personnel expenses (Details 3)

Personnel expenses (Details 3) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	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$ 8228	R$ 63658	R$ 103696
Unidentified Collective [Member]
IfrsStatementLineItems [Line Items]
Participant	Management-level employees and employees who are benefited by the Deferral Plan
Liquidity Type	50% in cash indexed to 100% of CDI and 50% in shares (Units SANB11)
Unidentified Collective [Member] | 01/01 to 12/31/2020 [Member]
IfrsStatementLineItems [Line Items]
Remuneration	R$ 76275	R$ 111995	R$ 98696

Other general administrative _3

Other general administrative expenses (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other General Administrative Expenses
Genreal maintenance expenses		R$ 895734	R$ 889077	R$ 743580
Technology maintenance expenses		2,577,479	2,474,348	2,355,310
Advertising		540,593	621,425	654,175
Communications		421,522	353,271	648,856
Per diems and travel expenses		72,647	71,840	68,922
Taxes other than income tax		148,950	202,440	280,098
Surveillance and cash courier services		548,759	597,946	594,953
Insurance premiums		21,977	22,374	16,620
Specialized and technical services		2,228,715	2,184,139	2,171,460
Technical reports		425,767	355,343	319,814
Others specialized and technical services		1,802,948	1,828,795	1,851,646
Other administrative expenses [Default Label]	[1]	886,742	873,857	709,504
Total		R$ 8343118	R$ 8290717	R$ 8243478
[1]On December 31, 2022, it is mainly composed of Data Processing Expenses in the balance of R$ 155,326 (2021 – R$ 160,716 and 2020 - R$ 176,105), Services Expenses in the balance of R$ 52,165 (2021 - revenue of R$ 51,689 and 2020 – R$ 27,751), Expenses with the Benefit Guarantee Fund - FGB 3,979 (2021 – R$ 3,864 and 2020 – R$ 8,478), and Recovery of Charges and Expenses R$ 435,717 (2021 – R$ 378,604 and 2020 – R$ 212,850).

Other general administrative _4

Other general administrative expenses (Details 1)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other General Administrative Expenses
Independent audit of the financial statements of the companies included in the consolidation scope	28.9	26.3	24
Audit Related	0.3	0.2	0.4
Others	0.3	0.4	0
Total	29.5	26.9	24.4

Other general administrative _5

Other general administrative expenses (Details Narrative)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other General Administrative Expenses
Approximate value of taxes (audit fees)	R$4.2 million	R$3.8 million	R$3.5 million

Gains or losses on non financ_3

Gains or losses on non financial assets and investments, net (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Gains Or Losses On Non Financial Assets And Investments Net
Gains	R$ 62951	R$ 45780	R$ 285335
Tangible and intangible assets	62,951	45,780	36,778
Investments			248,557
Losses	(40,596)	(60,893)	(54,622)
Tangible and intangible assets	(40,596)	(32,863)	(14,517)
Investments		(28,030)	(40,105)
Total	R$ 22355	R$ 15113	R$ 230713

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, 2022	Dec. 31, 2021	Dec. 31, 2020
Non-current Assets Held For Sale
Reversal of provision for losses in other value and asset	R$ 109	R$ 48	R$ 77
Sale of assets received in the credit recovery processes with customers	R$ 85	R$ 101
Sale of assets received in the recovery of credits with clients			24
Constitution of a provision for losses in other values and assets			R$ 49

Other disclosures (Details)

Other disclosures (Details) - BRL (R$) R$ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Disclosures
Guarantees and other sureties		R$ 54497392	R$ 49391839	R$ 45930486
Financial guarantees		41,456,445	33,192,559	32,477,336
Performance guarantees		2,167,016	1,167,603	989,979
Financial letters of credit		10,841,284	14,990,887	12,407,888
Other		32,647	40,790	55,283
Other contingent exposures		2,881,565	4,028,516	2,351,530
Documentary Credits		2,881,565	4,028,516	2,351,530
Total Contingent Liabilities		57,378,957	53,420,355	48,282,016
Commitments
Loan commitments drawable by third parties	[1]	158,731,264	145,958,258	131,706,433
Total Commitments		158,731,264	145,958,258	131,706,433
Total		R$ 216110221	R$ 199378613	R$ 179988449
[1]Includes the approved limits and unused overdraft, credit card and others.

Other disclosures (Details 1)

Other disclosures (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Disclosures
Funds under management	R$ 18934221	R$ 2770684	R$ 2716477
Managed Funds	265,517,852	192,927,475	191,873,169
Total	R$ 284452073	R$ 195698159	R$ 194589646

Other disclosures (Details 2)

Other disclosures (Details 2) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Assets Cash And Balances With The Brazilian Central Bank	R$ 22003439000	R$ 16657201000	R$ 20148725000
Maturity Debt Instruments	202,912,645,000	225,212,223,000	230,102,464,000
Equity Instruments Classification Total	2,638,772,000	2,527,504,000	2,329,361,000
Loans and amounts due from credit institutions, net	20,713,315,000	26,485,913,000	54,072,564,000
Residual Maturity Loans And Advances To Customers	490,630,028,000	464,844,042,000	393,768,036,000
Derivatives [Default Label]	21,975,824,000	21,139,923,000	26,247,514,000
[custom:BalancesWithTheBrazilianCentralBank-0]	127,637,420,000	84,915,666,000	116,132,018,000
Financial assets	888,511,443,000	841,782,472,000	842,800,681,000
Deposits from credit institutions	116,079,014,000	121,005,909,000	131,656,962,000
Financial Liabilities At Amortized Cost Customer Deposits	489,953,489,000	468,961,069,000	445,813,972,000
Financial Liabilities At Amortized Cost Marketable Debt Securities	107,120,875,000	79,036,792,000	56,875,514,000
[custom:DebtInstrumentsEligibleToComposeCapital-0]	19,537,618,000	19,641,408,000	13,119,660,000
Other financial liabilities	62,593,104,000	61,448,516,000	59,822,683,000
Residual Maturity Short Positions	22,047,423,000	12,780,559,000	45,807,946,000
Derivatives Liabilities	18,699,325,000	24,618,981,000	29,356,832,000
Financial liabilities	836,030,848,000	787,493,234,000	782,453,569,000
Assets less current liabilities	(52,480,595,000)	54,289,238,000	60,347,112,000
[custom:LoansAndAmountsDueFromCreditInstitutions-0]		26,485,913,000
[custom:LoansAndAmountsDueFromCreditInstitutionNet-0]			54,072,564,000
On demand [member]
IfrsStatementLineItems [Line Items]
Assets Cash And Balances With The Brazilian Central Bank	21,588,648,000	15,430,680,000	7,373,662,000
Maturity Debt Instruments	16,743,026,000	1,612,213,000	432,579,000
Equity Instruments Classification Total	2,473,827,000
Loans and amounts due from credit institutions, net	53,762,000
Residual Maturity Loans And Advances To Customers	11,271,204,000	70,399,332,000	29,385,631,000
Derivatives [Default Label]	5,815,000
[custom:BalancesWithTheBrazilianCentralBank-0]	96,850,321,000	69,178,841,000	58,777,212,000
Financial assets	148,986,603,000	167,797,988,000	95,969,084,000
Deposits from credit institutions	356,140,000	10,052,363,000
Financial Liabilities At Amortized Cost Customer Deposits	77,834,830,000	86,051,583,000	85,433,287,000
Financial Liabilities At Amortized Cost Marketable Debt Securities	2,206,218,000
[custom:DebtInstrumentsEligibleToComposeCapital-0]
Other financial liabilities	185,609,000	3,935,497,000	23,352,000
Residual Maturity Short Positions
Derivatives Liabilities		641,571,000
Financial liabilities	80,582,797,000	100,681,014,000	85,456,639,000
Assets less current liabilities	68,403,806,000	67,116,974,000	10,512,445,000
[custom:LoansAndAmountsDueFromCreditInstitutions-0]		11,176,922,000
[custom:LoansAndAmountsDueFromCreditInstitutionNet-0]
Later than one month and not later than two months [member]
IfrsStatementLineItems [Line Items]
Assets Cash And Balances With The Brazilian Central Bank	414,791,000	1,226,521,000	12,775,063,000
Maturity Debt Instruments	6,128,498,000	119,780,229,000	13,195,527,000
Equity Instruments Classification Total	42,813,000
Loans and amounts due from credit institutions, net	542,117,000
Residual Maturity Loans And Advances To Customers	123,503,143,000	82,203,458,000	80,281,579,000
Derivatives [Default Label]	4,365,403,000	8,667,809,000	14,558,434,000
[custom:BalancesWithTheBrazilianCentralBank-0]	30,787,099,000	15,736,825,000	57,354,806,000
Financial assets	165,783,864,000	230,332,201,000	180,942,971,000
Deposits from credit institutions	95,792,043,000	60,636,478,000	83,922,876,000
Financial Liabilities At Amortized Cost Customer Deposits	185,158,988,000	79,687,549,000	139,191,140,000
Financial Liabilities At Amortized Cost Marketable Debt Securities	12,355,853,000	28,052,200,000	8,815,410,000
[custom:DebtInstrumentsEligibleToComposeCapital-0]	6,786,472,000	5,552,801,000	220,425,000
Other financial liabilities	35,253,913,000	770,492,000	21,858,532,000
Residual Maturity Short Positions	144,261,000	12,780,559,000	45,807,946,000
Derivatives Liabilities	5,076,938,000	7,239,697,000	2,046,924,000
Financial liabilities	340,568,468,000	194,719,776,000	301,863,252,000
Assets less current liabilities	(174,784,604,000)	35,612,425,000	(120,920,281,000)
[custom:LoansAndAmountsDueFromCreditInstitutions-0]		2,717,359,000
[custom:LoansAndAmountsDueFromCreditInstitutionNet-0]			2,777,562,000
Later than three months and not later than one year [member]
IfrsStatementLineItems [Line Items]
Assets Cash And Balances With The Brazilian Central Bank
Maturity Debt Instruments	24,066,831,000	20,352,554,000	33,903,698,000
Equity Instruments Classification Total	116,447,000
Loans and amounts due from credit institutions, net	10,740,281,000
Residual Maturity Loans And Advances To Customers	117,101,333,000	84,986,074,000	93,750,065,000
Derivatives [Default Label]	2,827,973,000	2,836,098,000	1,994,418,000
[custom:BalancesWithTheBrazilianCentralBank-0]
Financial assets	154,852,865,000	109,923,459,000	165,376,503,000
Deposits from credit institutions	236,530,000	39,748,331,000	43,315,412,000
Financial Liabilities At Amortized Cost Customer Deposits	98,821,185,000	56,178,087,000	121,804,752,000
Financial Liabilities At Amortized Cost Marketable Debt Securities	32,544,969,000	5,038,906,000	18,736,230,000
[custom:DebtInstrumentsEligibleToComposeCapital-0]	875,575,000
Other financial liabilities	3,660,383,000	9,962,122,000	20,730,398,000
Residual Maturity Short Positions	3,083,821,000
Derivatives Liabilities	3,131,463,000	2,503,888,000	1,973,701,000
Financial liabilities	142,353,926,000	113,431,334,000	206,560,493,000
Assets less current liabilities	12,498,939,000	(3,507,875,000)	(41,183,990,000)
[custom:LoansAndAmountsDueFromCreditInstitutions-0]		1,748,733,000
[custom:LoansAndAmountsDueFromCreditInstitutionNet-0]			35,728,322,000
Later than one year and not later than three years [member]
IfrsStatementLineItems [Line Items]
Assets Cash And Balances With The Brazilian Central Bank
Maturity Debt Instruments	51,980,394,000	5,834,524,000	64,225,680,000
Equity Instruments Classification Total	2,429,000
Loans and amounts due from credit institutions, net	8,723,942,000
Residual Maturity Loans And Advances To Customers	152,555,108,000	152,608,938,000	98,550,271,000
Derivatives [Default Label]	4,661,329,000	1,645,538,000	4,103,735,000
[custom:BalancesWithTheBrazilianCentralBank-0]
Financial assets	217,923,202,000	170,916,639,000	182,035,130,000
Deposits from credit institutions	14,468,825,000	6,681,493,000	3,764,159,000
Financial Liabilities At Amortized Cost Customer Deposits	85,233,350,000	163,641,875,000	62,768,886,000
Financial Liabilities At Amortized Cost Marketable Debt Securities	44,723,451,000	35,844,265,000	28,158,133,000
[custom:DebtInstrumentsEligibleToComposeCapital-0]	1,358,736,000	14,088,607,000	12,899,235,000
Other financial liabilities	23,346,129,000	11,672,615,000	17,203,162,000
Residual Maturity Short Positions	4,575,483,000
Derivatives Liabilities	5,366,782,000	9,117,265,000	5,387,607,000
Financial liabilities	179,072,756,000	241,046,120,000	130,181,182,000
Assets less current liabilities	38,850,446,000	(70,129,481,000)	51,853,948,000
[custom:LoansAndAmountsDueFromCreditInstitutions-0]		10,827,639,000
[custom:LoansAndAmountsDueFromCreditInstitutionNet-0]			15,155,444,000
Later than three years and not later than five years [member]
IfrsStatementLineItems [Line Items]
Assets Cash And Balances With The Brazilian Central Bank
Maturity Debt Instruments	33,416,823,000	38,904,369,000	70,182,705,000
Equity Instruments Classification Total
Loans and amounts due from credit institutions, net	640,701,000
Residual Maturity Loans And Advances To Customers	38,944,000,000	31,902,231,000	47,160,700,000
Derivatives [Default Label]	3,033,806,000	5,989,792,000	1,869,509,000
[custom:BalancesWithTheBrazilianCentralBank-0]
Financial assets	76,035,330,000	76,811,449,000	119,576,048,000
Deposits from credit institutions	2,902,097,000	1,656,909,000
Financial Liabilities At Amortized Cost Customer Deposits	42,786,508,000	83,326,774,000	36,578,335,000
Financial Liabilities At Amortized Cost Marketable Debt Securities	10,150,295,000	9,341,229,000	747,340,000
[custom:DebtInstrumentsEligibleToComposeCapital-0]	1,526,828,000
Other financial liabilities	87,904,000	35,107,790,000	4,787,000
Residual Maturity Short Positions	5,395,593,000
Derivatives Liabilities	2,975,559,000	3,773,251,000	7,744,145,000
Financial liabilities	65,824,784,000	133,205,953,000	45,074,607,000
Assets less current liabilities	10,210,546,000	(56,394,504,000)	74,501,441,000
[custom:LoansAndAmountsDueFromCreditInstitutions-0]		15,057,000
[custom:LoansAndAmountsDueFromCreditInstitutionNet-0]			363,135,000
Later than five years [member]
IfrsStatementLineItems [Line Items]
Assets Cash And Balances With The Brazilian Central Bank
Maturity Debt Instruments	70,577,073,000	38,728,334,000	48,162,275,000
Equity Instruments Classification Total	3,256,000	2,527,504,000	2,329,361,000
Loans and amounts due from credit institutions, net	12,512,000
Residual Maturity Loans And Advances To Customers	47,255,240,000	42,744,009,000	44,639,790,000
Derivatives [Default Label]	7,081,498,000	2,000,686,000	3,721,418,000
[custom:BalancesWithTheBrazilianCentralBank-0]
Financial assets	124,929,579,000	86,000,736,000	98,900,945,000
Deposits from credit institutions	2,323,379,000	2,230,335,000	654,516,000
Financial Liabilities At Amortized Cost Customer Deposits	118,628,000	75,201,000	37,572,000
Financial Liabilities At Amortized Cost Marketable Debt Securities	5,140,089,000	760,192,000	418,401,000
[custom:DebtInstrumentsEligibleToComposeCapital-0]	8,990,007,000
Other financial liabilities	59,166,000		2,452,000
Residual Maturity Short Positions	8,848,265,000
Derivatives Liabilities	2,148,583,000	1,343,309,000	12,204,455,000
Financial liabilities	27,628,117,000	4,409,037,000	13,317,396,000
Assets less current liabilities	R$ 97301462000	81,591,699,000	85,583,549,000
[custom:LoansAndAmountsDueFromCreditInstitutions-0]		R$ 203000
[custom:LoansAndAmountsDueFromCreditInstitutionNet-0]			R$ 48101000

Other disclosures (Details 3)

Other disclosures (Details 3) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets1Member
IfrsStatementLineItems [Line Items]
Cash and reserves at the Central Bank of Brazil	R$ 10657125	R$ 10851016	R$ 15835124
Financial ssets/liabilities measured at fair value through profit or loss held for trading	5,895,720	2,587,588	27,012,315
Financial assets measured at fair value through other comprehensive income	17,114,102	17,102,273	17,062,156
Financial assets/liabilities measured at amortized cost	75,695,229	70,283,097	52,002,476
Total	109,362,176	100,823,974	111,912,070
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	5,376,666	21,784,041	7,867,168
Financial assets measured at fair value through other comprehensive income
Financial assets/liabilities measured at amortized cost	117,277,231	86,184,330	118,142,613
Total	R$ 122653897	R$ 107968371	R$ 126009781

Other disclosures (Details 4)

Other disclosures (Details 4) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Disclosures
Up to 1 Year	R$ 284945	R$ 715576	R$ 670619
Between 1 to 5 Years	1,044,715	1,420,853	1,607,995
More than 5 Years	224,536	181,417	171,420
Total	R$ 1554196	R$ 2317846	R$ 2450034

Other disclosures (Details Narr

Other disclosures (Details Narrative) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Disclosures
[custom:NoncancellableOperatingLeasesContractsWithIndeterminateMature-0]	R$ 700	R$ 801	R$ 880
[custom:PaymentOfOperatingLeasesRecognizedAsExpenses-0]	R$ 391408	R$ 369482	R$ 358656

Business segment reporting (Det

Business segment reporting (Details) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
NET INTEREST INCOME		R$ 47503177	R$ 51318466	R$ 44442713
Income from equity instruments		38,073	90,040	33,754
Income from companies accounted for by the equity method		199,179	144,184	112,261
Net fee and commission income		14,875,880	15,273,301	16,228,214
Gains (losses) on financial assets and liabilities (net) and Exchange differences (net)	[1]	4,699,226	(1,780,504)	(11,702,902)
Other operating expense (net)		(841,002)	(1,119,380)	(872,510)
TOTAL INCOME		66,474,533	63,926,107	48,241,529
Personnel expenses		(9,896,995)	(9,025,702)	(8,871,482)
Other administrative expenses		8,343,118	(8,290,717)	(8,243,478)
Depreciation and amortization		(2,585,502)	(2,433,921)	(2,579,127)
Provisions (net)		(1,215,490)	(2,179,417)	(1,656,546)
Impairment losses on financial assets (net)		(24,828,749)	(17,112,734)	(17,450,189)
Impairment losses on non-financial assets (net)		(161,434)	(165,799)	(84,907)
Other non-financial gains (losses)		131,482	32,512	308,176
OPERATING PROFIT BEFORE TAX	[1]	19,574,727	24,750,329	9,663,975
Currency Hedge	[1]	(129,406)	2,511,980	13,583,011
ADJUSTED OPERATING INCOME BEFORE TAX	[1]	19,445,321	27,262,309	23,246,986
Condensed Income Statement Commercial Banking [Member]
IfrsStatementLineItems [Line Items]
NET INTEREST INCOME		45,617,896	46,236,026	41,457,352
Income from equity instruments		11,239	10,216	3,617
Income from companies accounted for by the equity method		147,676	105,403	84,051
Net fee and commission income		12,538,806	13,285,099	14,405,280
Gains (losses) on financial assets and liabilities (net) and Exchange differences (net)	[1]	(360,383)	(1,433,236)	(13,515,305)
Other operating expense (net)		(718,459)	(974,391)	(767,088)
TOTAL INCOME		57,236,775	57,229,117	41,667,906
Personnel expenses		(8,985,721)	(8,220,544)	(8,139,785)
Other administrative expenses		7,571,376	(7,697,346)	(7,634,670)
Depreciation and amortization		(2,479,643)	(2,342,639)	(2,488,517)
Provisions (net)		(1,207,531)	(2,176,774)	(1,638,787)
Impairment losses on financial assets (net)		(23,682,848)	(17,169,630)	(17,379,570)
Impairment losses on non-financial assets (net)		(160,479)	(163,935)	(28,403)
Other non-financial gains (losses)		131,482	32,512	308,176
OPERATING PROFIT BEFORE TAX	[1]	13,280,659	19,490,761	4,666,350
Currency Hedge	[1]	(129,406)	2,511,980	13,583,011
ADJUSTED OPERATING INCOME BEFORE TAX	[1]	13,151,253	22,002,741	18,249,361
Condensed Income Statement Global Wholesale Banking [Member]
IfrsStatementLineItems [Line Items]
NET INTEREST INCOME		1,885,281	5,082,440	2,985,361
Income from equity instruments		26,834	79,824	30,137
Income from companies accounted for by the equity method		51,503	38,781	28,210
Net fee and commission income		2,337,074	1,988,202	1,822,934
Gains (losses) on financial assets and liabilities (net) and Exchange differences (net)	[1]	5,059,609	(347,268)	1,812,403
Other operating expense (net)		(122,543)	(144,989)	(105,422)
TOTAL INCOME		9,237,758	6,696,990	6,573,623
Personnel expenses		(911,274)	(805,158)	(731,697)
Other administrative expenses		771,742	(593,371)	(608,808)
Depreciation and amortization		(105,859)	(91,282)	(90,610)
Provisions (net)		(7,959)	(2,643)	(17,759)
Impairment losses on financial assets (net)		(1,145,901)	56,896	(70,619)
Impairment losses on non-financial assets (net)		(955)	(1,864)	(56,504)
Other non-financial gains (losses)
OPERATING PROFIT BEFORE TAX	[1]	6,294,068	5,259,568	4,997,625
Currency Hedge	[1]
ADJUSTED OPERATING INCOME BEFORE TAX	[1]	R$ 6294068	R$ 5259568	R$ 4997625
[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.

Business segment reporting (D_2

Business segment reporting (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Total assets	R$ 985450829	R$ 931208396	R$ 933578379
Loans and advances to customers	490,630,028	464,844,042	393,768,037
Customer deposits	489,953,489	468,961,069	445,813,972
Business Segment Reporting Commercial Banking [Member]
IfrsStatementLineItems [Line Items]
Total assets	886,630,727	838,267,118	837,339,314
Loans and advances to customers	417,773,158	394,086,048	317,553,409
Customer deposits	356,744,926	344,180,608	322,328,033
Business Segment Reporting Global Wholesale Banking [Member]
IfrsStatementLineItems [Line Items]
Total assets	98,820,102	92,941,277	96,239,065
Loans and advances to customers	72,856,870	70,757,994	76,214,628
Customer deposits	R$ 133208563	R$ 124780461	R$ 123485939

Related party transactions (Det

Related party transactions (Details) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Related Party Transactions
Fixed Compensation	R$ 115680	R$ 96544	R$ 90889
Variable Compensation - in cash	117,730	115,627	83,352
Variable Compensation - in shares	87,702	94,607	81,306
Others (1)	61,294	67,883	47,832
Total Short-Term Benefits	382,406	374,661	303,379
Variable Compensation - in cash	95,398	101,837	98,407
Variable Compensation - in shares	99,827	109,918	97,729
Total Long-Term Benefits	195,225	211,755	196,136
Total (2)	R$ 577631	R$ 586416	R$ 499515

Related party transactions (D_2

Related party transactions (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
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$ 1627891
Common Shares (%)	42.60%	42.60%	42.60%
Preferred Shares (thousand)	R$ 1539863	R$ 1539863	R$ 1539863
Preferred Shares (%)	41.90%	41.90%	41.80%
Total Shares (thousand)	R$ 3167754	R$ 3167754	R$ 3167754
Total Shares (%)	42.20%	42.20%	42.30%
Banco Santander S.A. [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 2696	R$ 2696	R$ 2696
Common Shares (%)	0.10%	0.10%	0.07%
Preferred Shares (thousand)
Preferred Shares (%)	0%	0%	0%
Total Shares (thousand)	R$ 2696	R$ 2696	R$ 2696
Total Shares (%)	0%	0%	0.04%
Directors [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 4444	R$ 4939
Common Shares (%)	0.10%	0.10%
Preferred Shares (thousand)	R$ 4444	R$ 5029
Preferred Shares (%)	0.10%	0.10%
Total Shares (thousand)	R$ 8888	R$ 9968
Total Shares (%)	0.10%	0.10%
StockholdersOtherMember
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 342919	R$ 357831	R$ 353616
Common Shares (%)	9%	9.40%	9.30%
Preferred Shares (thousand)	R$ 370723	R$ 385545	R$ 381420
Preferred Shares (%)	10.10%	10.50%	10.40%
Total Shares (thousand)	R$ 713642	R$ 743376	R$ 735036
Total Shares (%)	9.60%	9.90%	9.80%
Total [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 3787533	R$ 3802940	R$ 3799866
Common Shares (%)	99.20%	99.60%	99.50%
Preferred Shares (thousand)	R$ 3648674	R$ 3664081	R$ 3661007
Preferred Shares (%)	99.20%	99.60%	99.50%
Total Shares (thousand)	R$ 7436207	R$ 7467021	R$ 7460873
Total Shares (%)	99.20%	99.50%	99.50%
Treasury shares [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 31162	R$ 15755	R$ 18829
Common Shares (%)	0.80%	0.40%	0.50%
Preferred Shares (thousand)	R$ 31162	R$ 15755	R$ 18829
Preferred Shares (%)	0.80%	0.40%	0.50%
Total Shares (thousand)	R$ 62324	R$ 31510	R$ 37658
Total Shares (%)	0.80%	0.50%	0.50%
StockholdersTotalIIMember
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 3818695	R$ 3818695	R$ 3818695
Common Shares (%)	100%	100%	100%
Preferred Shares (thousand)	R$ 3679836	R$ 3679836	R$ 3679836
Preferred Shares (%)	100%	100%	100%
Total Shares (thousand)	R$ 7498531	R$ 7498531	R$ 7498531
Total Shares (%)	100%	100%	100%
Free Float [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)	R$ 342919	R$ 357831	R$ 355662
Common Shares (%)	9%	9.40%	9.30%
Preferred Shares (thousand)	R$ 370723	R$ 385545	R$ 383466
Preferred Shares (%)	10.10%	10.50%	10.40%
Total Shares (thousand)	R$ 713642	R$ 743376	R$ 739128
Total Shares (%)	9.50%	9.90%	9.90%
Employees [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)			R$ 2046
Common Shares (%)			0.05%
Preferred Shares (thousand)			R$ 2046
Preferred Shares (%)			0.06%
Total Shares (thousand)			R$ 4092
Total Shares (%)			0.05%
Administrators [Member]
IfrsStatementLineItems [Line Items]
Common Shares (thousand)			R$ 4034
Common Shares (%)			0.11%
Preferred Shares (thousand)			R$ 4034
Preferred Shares (%)			0.11%
Total Shares (thousand)			R$ 8067
Total Shares (%)			0.11%

Related party transactions (D_3

Related party transactions (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
IfrsStatementLineItems [Line Items]
Assets	R$ 29037817	R$ 33034587
Derivatives Measured At Fair Value Through Profit Or Loss, Net	(2,104,812)	(3,117,113)
Loans and other amounts with credit institutions - Availability and Applications in Foreign Currency (Overnight Applications)	29,208,610	31,521,469
Loans and other values with customers	1,811,464	3,570,744
Other Assets	113,198	1,059,745
Warranties and Limits	9,357	(258)
Liabilities	(31,759,147)	(35,499,284)
Deposits from credit institutions	(17,014,920)	(19,044,798)
Securities	(201,054)	(128,593)
Customer deposits	(935,966)	(828,107)
Other Liabilities - Dividends and Interest on Capital Payable		(564,786)
Other Liabilities	(434,530)	(844,393)
Debt Instruments Eligible for Capital	(13,172,677)	(14,088,607)
Income	421,276	549,638
Interest and similar income - Loans and amounts due from credit institutions	49,508	76,695
Warranties and Limits	37,769	63
Interest expense and similar charges - Customer deposits	410,518	(540,586)
Fee and commission income (expense)	3,432,585	2,624,792
Gains (losses) on financial assets and liabilities and exchange differences (net)	(1,099,679)	(346,502)
Administrative expenses and amortization	(724,994)	(593,461)
Result on disposal of assets not classified as non-current assets held for sale
Debt Instruments Eligible for Capital	(863,395)	(658,163)
Other Administrative expenses - Donation		(13,200)
Subsidiaries Key Management Personnel [Member]
IfrsStatementLineItems [Line Items]
Assets	25,737	19,776
Derivatives Measured At Fair Value Through Profit Or Loss, Net
Loans and other amounts with credit institutions - Availability and Applications in Foreign Currency (Overnight Applications)
Loans and other values with customers	16,380	20,034
Other Assets
Warranties and Limits	9,357	(258)
Liabilities	(263,592)	(821,529)
Deposits from credit institutions
Securities	(201,054)	(128,593)
Customer deposits	(31,040)	(28,672)
Other Liabilities - Dividends and Interest on Capital Payable
Other Liabilities	(31,498)	(664,264)
Debt Instruments Eligible for Capital
Income	18,223	(429,512)
Interest and similar income - Loans and amounts due from credit institutions	2,388	1,421
Warranties and Limits	37,769	63
Interest expense and similar charges - Customer deposits	(22,685)	(431,539)
Fee and commission income (expense)	495	273
Gains (losses) on financial assets and liabilities and exchange differences (net)	256	270
Administrative expenses and amortization
Result on disposal of assets not classified as non-current assets held for sale
Debt Instruments Eligible for Capital
Other Administrative expenses - Donation
Parent [member]
IfrsStatementLineItems [Line Items]
Assets	4,671,501	895,492
Derivatives Measured At Fair Value Through Profit Or Loss, Net	(3,138,996)	(3,043,904)
Loans and other amounts with credit institutions - Availability and Applications in Foreign Currency (Overnight Applications)	7,800,513	3,930,078
Loans and other values with customers		109
Other Assets	9,984	9,209
Warranties and Limits
Liabilities	(23,541,990)	(25,832,894)
Deposits from credit institutions	(10,167,933)	(11,178,490)
Securities
Customer deposits
Other Liabilities - Dividends and Interest on Capital Payable		(564,786)
Other Liabilities	(201,380)	(1,011)
Debt Instruments Eligible for Capital	(13,172,677)	(14,088,607)
Income	(1,217,332)	(694,221)
Interest and similar income - Loans and amounts due from credit institutions	47,120	5,902
Warranties and Limits
Interest expense and similar charges - Customer deposits	(111,024)	(88,585)
Fee and commission income (expense)
Gains (losses) on financial assets and liabilities and exchange differences (net)	(88,674)	192,088
Administrative expenses and amortization	(201,359)	(145,463)
Result on disposal of assets not classified as non-current assets held for sale
Debt Instruments Eligible for Capital	(863,395)	(658,163)
Other Administrative expenses - Donation
Joint Controlled Companies And Other Related Party [Member]
IfrsStatementLineItems [Line Items]
Assets	24,340,579	32,119,319
Derivatives Measured At Fair Value Through Profit Or Loss, Net	1,034,184	(73,209)
Loans and other amounts with credit institutions - Availability and Applications in Foreign Currency (Overnight Applications)	21,408,097	27,591,391
Loans and other values with customers	1,795,084	3,550,601
Other Assets	103,214	1,050,536
Warranties and Limits
Liabilities	(7,953,565)	(8,844,861)
Deposits from credit institutions	(6,846,987)	(7,866,308)
Securities
Customer deposits	(904,926)	(799,435)
Other Liabilities - Dividends and Interest on Capital Payable
Other Liabilities	(201,652)	(179,118)
Debt Instruments Eligible for Capital
Income	1,620,385	1,673,360
Interest and similar income - Loans and amounts due from credit institutions		69,372
Warranties and Limits
Interest expense and similar charges - Customer deposits	(276,809)	(20,462)
Fee and commission income (expense)	3,432,090	2,624,519
Gains (losses) on financial assets and liabilities and exchange differences (net)	(1,011,261)	(538,871)
Administrative expenses and amortization	(523,635)	(447,998)
Result on disposal of assets not classified as non-current assets held for sale
Debt Instruments Eligible for Capital
Other Administrative expenses - Donation		R$ 13200

Risk management (Details)

Risk management (Details) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Risk Management
Less than 1 Year	R$ 269784211	R$ 270050934	R$ 219062744
Between 1 and 5 years	177,488,141	160,932,317	147,013,817
More than 5 years	77,382,938	62,371,451	51,745,465
Loans and advances to customers, gross	524,655,290	493,354,702	417,822,026
By internal classification of risk
Low	392,397,296	374,505,212	347,315,357
Medium-low	77,992,749	79,216,725	24,277,404
Medium	18,647,136	14,589,977	26,231,871
Medium-High	13,573,901	9,413,110	3,896,457
High	22,044,208	15,629,678	16,100,937
Loans and advances to customers, gross	R$ 524655290	R$ 493354702	R$ 417822026

Risk management (Details 1)

Risk management (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Risk Management
Commercial and industrial	R$ 223321961	R$ 247674251	R$ 191281653
Commercial and industrial	6%	6%	5%
Commercial and industrial	41%	50%	41%
Real Estate Credit - construction	R$ 58242768	R$ 54738607	R$ 45791869
Real Estate Credit - construction	5%	2%	3%
Real Estate Credit - construction	5%	8%	7%
Individual loans	R$ 240227475	R$ 188408840	R$ 178652145
Individual loans	12%	10%	9%
Individual loans	49%	61%	52%
Leasing	R$ 2863086	R$ 2533004	R$ 2096359
Leasing	1%	2%	1%
Leasing	26%	31%	31%

Risk management (Details 2)

Risk management (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Risk Management
Credit risk exposure - customers (Thousand of Reais)	R$ 582034247	R$ 546775057	R$ 466104042
Loans and advances to customers, gross (note 9)	524,655,290	493,354,702	417,822,026
Contingent Liabilities - Guarantees and other sureties (note 43.a)	R$ 57378957	R$ 47517931	R$ 53420355
Non-performing loans ratio (%) - unaudited	7.50%	5.46%	5.55%
Impairment coverage ratio (%) - unaudited	89.80%	110.40%	110.64%
Specific credit loss provisions, net of RAWO (*) (Thousand of Reais) - unaudited	R$ 35211623	R$ 29723376	R$ 25640488
Cost of credit (% of risk) - unaudited	4.79%	3.73%	4.35%

Risk management (Details 3)

Risk management (Details 3) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income	R$ 3957000000	R$ 3122000000	R$ 2200000000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments	3,957,000,000	3,122,000,000	2,200,000,000
Financial assets measured at fair value in profit or loss for trading	65,921,000,000	45,199,000,000
Debt Instruments	44,871,000,000	23,801,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	49,000,000	44,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	21,001,000,000	21,354,000,000	32,840,000,000
Financial assets measured at fair value in other comprehensive income	105,186,000,000		105,338,000,000
Interestearning Assets Financial Assets Measured At Fair Value Through Profit Or Loss Debt Instruments	105,186,000,000
Financial Assets Measured at Amortized Cost [Default Label]	689,466,000,000	644,787,000,000	452,463,000,000
Loans and Other Amounts with Credit Institutions	82,592,000,000	79,643,000,000	71,644,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	547,142,000,000	513,708,000,000	360,990,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	59,732,000,000	51,436,000,000	19,829,000,000
Interestearning Assets Total	864,530,000,000	845,027,000,000	674,228,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	36,729,000,000	37,609,000,000	81,423,000,000
InterestEarningAssetsFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	19,730,000,000	24,828,000,000	36,270,000,000
Short Positions	16,999,000,000	12,781,000,000	45,153,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCost	726,466,000,000	746,898,000,000	515,035,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	97,782,000,000	134,563,000,000	70,378,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCostCustomerDeposits	502,206,000,000	491,898,000,000	367,695,000,000
Bonds and securities	107,063,000,000	100,933,000,000	63,842,000,000
Debt Instruments Eligible to Capital	19,415,000,000	19,504,000,000	13,120,000,000
Interestbearing Liabilities Total	763,195,000,000	784,507,000,000	596,458,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result		151,919,000,000	439,000,000
[custom:InterestEarningAssetsFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultDebitInstruments-0]		151,919,000,000	439,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			113,788,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Debt Instruments			79,784,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Equity Instruments			1,164,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments			105,266,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments			72,000,000
Above 5 years [Member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income	3,957,000,000	3,122,000,000	1,747,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments	3,957,000,000		1,747,000,000
Financial assets measured at fair value in profit or loss for trading	25,998,000,000	12,447,000,000
Debt Instruments	22,222,000,000	9,963,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments		3,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	3,776,000,000	2,481,000,000	3,629,000,000
Financial assets measured at fair value in other comprehensive income	22,466,000,000		22,430,000,000
Interestearning Assets Financial Assets Measured At Fair Value Through Profit Or Loss Debt Instruments	22,466,000,000
Financial Assets Measured at Amortized Cost [Default Label]	113,717,000,000	102,292,000,000	63,844,000,000
Loans and Other Amounts with Credit Institutions
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	96,884,000,000	94,368,000,000	61,795,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	16,833,000,000	7,924,000,000	2,049,000,000
Interestearning Assets Total	166,138,000,000	150,669,000,000	105,728,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	3,417,000,000	2,703,000,000	3,515,000,000
InterestEarningAssetsFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	3,417,000,000	2,703,000,000	3,515,000,000
Short Positions
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCost	31,518,000,000	31,897,000,000	16,667,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	7,903,000,000	4,035,000,000	3,031,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCostCustomerDeposits	26,000,000	24,000,000	203,000,000
Bonds and securities	4,174,000,000	8,334,000,000	313,000,000
Debt Instruments Eligible to Capital	19,415,000,000	19,504,000,000	13,120,000,000
Interestbearing Liabilities Total	34,935,000,000	34,600,000,000	20,182,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result		32,808,000,000
[custom:InterestEarningAssetsFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultDebitInstruments-0]		32,808,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			17,707,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Debt Instruments			14,078,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Equity Instruments
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments			22,430,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
Range 0 To 30 Days [Member]
IfrsStatementLineItems [Line Items]
Financial assets measured at fair value in income
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments
Financial assets measured at fair value in profit or loss for trading	5,032,000,000	5,573,000,000
Debt Instruments	311,000,000	355,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	19,000,000	21,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	4,702,000,000	5,197,000,000
Financial assets measured at fair value in other comprehensive income	37,965,000,000		3,455,000,000
Interestearning Assets Financial Assets Measured At Fair Value Through Profit Or Loss Debt Instruments	37,965,000,000
Financial Assets Measured at Amortized Cost [Default Label]	137,112,000,000	135,081,000,000	50,776,000,000
Loans and Other Amounts with Credit Institutions	77,825,000,000	73,293,000,000	25,201,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	56,937,000,000	60,735,000,000	25,490,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	2,350,000,000	1,053,000,000	85,000,000
Interestearning Assets Total	180,109,000,000	194,707,000,000	70,306,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	21,891,000,000	18,955,000,000	55,313,000,000
InterestEarningAssetsFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	4,892,000,000	6,174,000,000	10,160,000,000
Short Positions	16,999,000,000	12,781,000,000	45,153,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCost	280,644,000,000	309,659,000,000	174,848,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	22,451,000,000	43,414,000,000	4,007,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCostCustomerDeposits	252,621,000,000	260,711,000,000	163,297,000,000
Bonds and securities	5,572,000,000	5,534,000,000	7,544,000,000
Debt Instruments Eligible to Capital
Interestbearing Liabilities Total	302,535,000,000	328,614,000,000	230,161,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result		54,053,000,000	439,000,000
[custom:InterestEarningAssetsFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultDebitInstruments-0]		54,053,000,000	439,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			15,636,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Debt Instruments			3,480,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Equity Instruments			1,164,000,000
[custom:InterestEarningAssetsFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivative-0]			10,992,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments			3,383,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments			72,000,000
Range 31to 180 Days [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	5,565,000,000	4,205,000,000
Debt Instruments	3,909,000,000	858,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	2,000,000	1,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	1,654,000,000	3,346,000,000	6,698,000,000
Financial assets measured at fair value in other comprehensive income	4,045,000,000		3,625,000,000
Interestearning Assets Financial Assets Measured At Fair Value Through Profit Or Loss Debt Instruments	4,045,000,000
Financial Assets Measured at Amortized Cost [Default Label]	145,444,000,000	131,966,000,000	130,067,000,000
Loans and Other Amounts with Credit Institutions	900,000,000	1,479,000,000	39,879,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	138,981,000,000	128,631,000,000	88,071,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	5,563,000,000	1,856,000,000	2,117,000,000
Interestearning Assets Total	155,054,000,000	137,183,000,000	152,332,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	1,444,000,000	2,564,000,000	7,878,000,000
InterestEarningAssetsFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	1,444,000,000	2,564,000,000	7,878,000,000
Short Positions
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCost	115,169,000,000	116,052,000,000	100,497,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	40,711,000,000	48,359,000,000	32,846,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCostCustomerDeposits	48,217,000,000	50,470,000,000	44,035,000,000
Bonds and securities	26,241,000,000	17,223,000,000	23,616,000,000
Debt Instruments Eligible to Capital
Interestbearing Liabilities Total	116,613,000,000	118,616,000,000	108,375,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result		1,012,000,000
[custom:InterestEarningAssetsFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultDebitInstruments-0]		1,012,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			18,487,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Debt Instruments			11,789,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Equity Instruments
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments			3,625,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
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	3,054,000,000	5,128,000,000
Debt Instruments	2,159,000,000	2,358,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	3,000,000	8,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	892,000,000	2,762,000,000	1,717,000,000
Financial assets measured at fair value in other comprehensive income	1,579,000,000		12,177,000,000
Interestearning Assets Financial Assets Measured At Fair Value Through Profit Or Loss Debt Instruments	1,579,000,000
Financial Assets Measured at Amortized Cost [Default Label]	91,631,000,000	96,793,000,000	55,339,000,000
Loans and Other Amounts with Credit Institutions	1,878,000,000	2,255,000,000	2,765,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	82,676,000,000	71,041,000,000	50,829,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	7,077,000,000	23,497,000,000	1,745,000,000
Interestearning Assets Total	96,264,000,000	106,700,000,000	72,433,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	1,552,000,000	2,191,000,000	2,088,000,000
InterestEarningAssetsFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	1,552,000,000	2,191,000,000	2,088,000,000
Short Positions
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCost	116,122,000,000	108,718,000,000	91,433,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	18,007,000,000	27,340,000,000	22,603,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCostCustomerDeposits	75,869,000,000	70,403,000,000	61,293,000,000
Bonds and securities	22,246,000,000	10,975,000,000	7,537,000,000
Debt Instruments Eligible to Capital
Interestbearing Liabilities Total	117,674,000,000	110,909,000,000	93,521,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result		4,779,000,000
[custom:InterestEarningAssetsFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultDebitInstruments-0]		4,779,000,000
Other Financial Assets At Fair Value Through Profit Or Loss			4,867,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Debt Instruments			3,150,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Equity Instruments
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments			12,177,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
One To Fiveyears [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	26,272,000,000	17,846,000,000
Debt Instruments	16,270,000,000	10,267,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	25,000,000	11,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	9,977,000,000	7,568,000,000	9,804,000,000
Financial assets measured at fair value in other comprehensive income	39,131,000,000		63,651,000,000
Interestearning Assets Financial Assets Measured At Fair Value Through Profit Or Loss Debt Instruments	39,131,000,000
Financial Assets Measured at Amortized Cost [Default Label]	201,562,000,000	178,655,000,000	152,437,000,000
Loans and Other Amounts with Credit Institutions	1,989,000,000	2,616,000,000	3,799,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	171,664,000,000	158,933,000,000	134,805,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	27,909,000,000	17,106,000,000	13,833,000,000
Interestearning Assets Total	266,965,000,000	255,768,000,000	273,429,000,000
Financial Liabilities Measured at Fair Value in Income Held for Trading	8,425,000,000	11,196,000,000	12,629,000,000
InterestEarningAssetsFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	8,425,000,000	11,196,000,000	12,629,000,000
Short Positions
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCost	183,013,000,000	180,572,000,000	131,590,000,000
Deposits from the Central Bank of Brazil and deposits from credit institutions	8,710,000,000	11,415,000,000	7,891,000,000
InterestEarningAssetsFinancialLiabilitiesAtAmortizedCostCustomerDeposits	125,473,000,000	110,290,000,000	98,867,000,000
Bonds and securities	48,830,000,000	58,867,000,000	24,832,000,000
Debt Instruments Eligible to Capital
Interestbearing Liabilities Total	R$ 191438000000	191,768,000,000	144,219,000,000
Financial assets not intended for trading Mandatory measured at the fair value of the result		59,267,000,000
[custom:InterestEarningAssetsFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultDebitInstruments-0]		R$ 59267000000
Other Financial Assets At Fair Value Through Profit Or Loss			57,091,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Debt Instruments			47,287,000,000
Interestearning Assets Other Financial Assets At Fair Value Through Profit Or Loss Equity Instruments
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments			63,651,000,000
InterestEarningAssetsFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments

Risk management (Details 4)

Risk management (Details 4) - BRL (R$) R$ in Millions	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Currency Risk Dollar [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	R$ 180331	R$ 114021	R$ 42860
Loans and advances to customers	4,515	5,529	5,803
Derivatives	261,584	289,245	125,495
Others	3,208	1,251	25,866
Total	449,638	410,046	257,938
Funding in foreign currency	116,957	80,991	61,173
Derivatives	202,299	225,554	147,911
Others	132,513	105,570	39,972
Total	451,769	412,115	249,056
Total		1,337
Investments in Foreign Subsidiaries and Dependence			57,914
Currency Risk Euro [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	3,156		1,870
Loans and advances to customers	3,818	2,218	3,187
Derivatives	10,126	14,190	10,451
Others
Total	17,100	17,745	15,723
Funding in foreign currency	1,676	2,194	384
Derivatives	14,361	14,279	14,449
Others	996	1,220	219
Total	17,033	17,693	15,052
Investments in Foreign Subsidiaries and Dependence			215
Currency Risk Others [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	3,922	5,163	569
Loans and advances to customers	463	608	1,140
Derivatives	7,702	8,011	2,795
Others
Total	12,087	13,782	4,504
Funding in foreign currency	1,668	2,130
Derivatives	9,571	8,631	2,854
Others	815	2,912	437
Total	12,054	13,673	3,291
Investments in Foreign Subsidiaries and Dependence
Currency Risk Total [Member]
IfrsStatementLineItems [Line Items]
Cash/Applications/Debt Instruments	187,409	120,521	45,299
Loans and advances to customers	8,796	8,355	10,130
Derivatives	279,412	311,446	138,741
Others	3,208	1,251	25,866
Total	478,825	441,573	278,165
Funding in foreign currency	120,301	85,315	61,557
Derivatives	226,231	248,464	165,214
Others	134,324	109,702	40,628
Total	R$ 480856	R$ 443480	267,400
Investments in Foreign Subsidiaries and Dependence			R$ 58129

Risk management (Details 5)

Risk management (Details 5) - BRL (R$) R$ in Millions	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Customers Funding 0 Days 30 [Member]
IfrsStatementLineItems [Line Items]
Demand deposits [Default Label]	R$ 31351	R$ 39574	R$ 35550
Customers Funding Savings Accounts	60,204	65,220	62,210
Customers Funding Time Deposits	95,523	92,496	77,298
Interbank deposit	1,043	763	818
Funds from acceptances and issuance of securities	6,139	5,621	7,544
Borrowings and Onlendings	7,081		3,189
Subordinated Debts / Debt Instruments Eligible to Compose Capital
Customers Funding Total	201,341	203,674	186,609
Customers Funding Total [Member]
IfrsStatementLineItems [Line Items]
Demand deposits [Default Label]	31,351	39,574	35,550
Customers Funding Savings Accounts	60,204	65,220	62,210
Customers Funding Time Deposits	338,007	308,950	279,778
Interbank deposit	4,010	4,001	5,145
Funds from acceptances and issuance of securities	122,916	88,089	70,628
Borrowings and Onlendings	76,749	90,709	67,760
Subordinated Debts / Debt Instruments Eligible to Compose Capital	19,538	19,641	13,120
Customers Funding Total	R$ 652775	R$ 616184	R$ 534191
Customers Funding Percent [Member]
IfrsStatementLineItems [Line Items]
Customers Funding Percent Demand Deposits	100%	100,000%	100%
Customers Funding Percent Savings Accounts	100%	100,000%	100%
Customers Funding Percent Time Deposits	28%	30%	28%
Customers Funding Percent Interbank Deposit	26%	19%	16%
Customers Funding Percent Funds From Acceptances And Issuance Of Securities	5%	6%	11%
Customers Funding Percent Borrowings And Onlendings	9%	0%	5%
Customers Funding Percent Subordinated Debts Debt Instruments Eligible To Compose Capital	0%	0%	0%
Customers Funding Percent Total	31%	33%	35%

Risk management (Details 6)

Risk management (Details 6) - BRL (R$)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
IfrsStatementLineItems [Line Items]
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncome	R$ 3957000000	R$ 3122000000	R$ 3839000000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments	3,957,000,000	3,122,000,000	3,839,000,000
Financial assets measured at fair value in profit or loss for trading	50,999,000,000	39,189,000,000	130,109,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDebtInstruments	29,949,000,000	17,791,000,000	96,105,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	49,000,000	44,000,000	1,164,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	21,001,000,000	21,353,000,000	32,840,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncome	85,807,000,000	125,635,000,000	134,111,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments	85,807,000,000	125,634,000,000	134,039,000,000
Nondiscounted Future Flows Except Derivatives Financial Assets Measured At Amortized Cost	559,166,000,000	537,155,000,000	611,507,000,000
Loans and Other Amounts with Credit Institutions	82,219,000,000	79,108,000,000	72,324,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	431,873,000,000	411,737,000,000	519,415,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	45,074,000,000	46,309,000,000	19,771,000,000
Nondiscounted Future Flows Except Derivatives Interestearning Assets Total	699,929,000,000	705,102,000,000	880,005,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTrading	36,729,000,000	37,609,000,000	81,424,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	19,730,000,000	24,828,000,000	36,270,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingShortPositions	16,999,000,000	12,781,000,000	45,153,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCost	726,466,000,000	689,197,000,000	532,838,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDepositsFromTheCentralBankOfBrazilAndDepositsFromCreditInstitutions	97,782,000,000	119,157,000,000	70,421,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostCustomerDeposits	502,206,000,000	473,614,000,000	383,372,000,000
Bonds and securities	107,063,000,000	76,922,000,000	65,925,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDebtInstrumentsEligibleToCapital	19,415,000,000	19,504,000,000	13,120,000,000
Nondiscounted Future Flows Except Derivatives Interestbearing Liabilities Total	763,195,000,000	726,806,000,000	614,262,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments			72,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResult			439,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultEquityInstruments			439,000,000
Later than one month and not later than three months [member]
IfrsStatementLineItems [Line Items]
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncome
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments
Financial assets measured at fair value in profit or loss for trading	5,032,000,000	5,573,000,000	16,029,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDebtInstruments	311,000,000	355,000,000	3,873,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	19,000,000	21,000,000	1,164,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	4,702,000,000	5,197,000,000	10,992,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncome	37,925,000,000	54,012,000,000	5,000,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments	37,925,000,000	54,012,000,000	4,928,000,000
Nondiscounted Future Flows Except Derivatives Financial Assets Measured At Amortized Cost	113,466,000,000	109,330,000,000	53,147,000,000
Loans and Other Amounts with Credit Institutions	77,739,000,000	73,290,000,000	24,638,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	33,386,000,000	34,989,000,000	28,424,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	2,341,000,000	1,051,000,000	85,000,000
Nondiscounted Future Flows Except Derivatives Interestearning Assets Total	156,423,000,000	168,915,000,000	74,615,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTrading	21,891,000,000	18,955,000,000	55,313,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	4,892,000,000	6,174,000,000	10,160,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingShortPositions	16,999,000,000	12,781,000,000	45,153,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCost	280,644,000,000	289,743,000,000	176,223,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDepositsFromTheCentralBankOfBrazilAndDepositsFromCreditInstitutions	22,451,000,000	33,714,000,000	3,707,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostCustomerDeposits	252,621,000,000	252,070,000,000	165,171,000,000
Bonds and securities	5,572,000,000	3,959,000,000	7,345,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDebtInstrumentsEligibleToCapital
Nondiscounted Future Flows Except Derivatives Interestbearing Liabilities Total	302,535,000,000	308,698,000,000	231,536,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments			72,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResult			439,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultEquityInstruments			439,000,000
Later than three months and not later than six months [member]
IfrsStatementLineItems [Line Items]
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncome			174,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments			174,000,000
Financial assets measured at fair value in profit or loss for trading	5,526,000,000	4,197,000,000	19,211,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDebtInstruments	3,870,000,000	850,000,000	12,513,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	2,000,000	1,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	1,654,000,000	3,346,000,000	6,698,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncome	4,040,000,000	1,007,000,000	3,874,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments	4,040,000,000	1,007,000,000	3,874,000,000
Nondiscounted Future Flows Except Derivatives Financial Assets Measured At Amortized Cost	103,419,000,000	98,848,000,000	145,279,000,000
Loans and Other Amounts with Credit Institutions	888,000,000	1,464,000,000	40,579,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	97,202,000,000	94,872,000,000	102,379,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	5,329,000,000	2,512,000,000	2,321,000,000
Nondiscounted Future Flows Except Derivatives Interestearning Assets Total	112,985,000,000	104,053,000,000	168,538,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTrading	1,444,000,000	2,564,000,000	7,878,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	1,444,000,000	2,564,000,000	7,878,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingShortPositions
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCost	115,169,000,000	106,358,000,000	101,111,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDepositsFromTheCentralBankOfBrazilAndDepositsFromCreditInstitutions	40,711,000,000	46,465,000,000	33,039,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostCustomerDeposits	48,217,000,000	48,364,000,000	44,571,000,000
Bonds and securities	26,241,000,000	11,529,000,000	23,502,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDebtInstrumentsEligibleToCapital
Nondiscounted Future Flows Except Derivatives Interestbearing Liabilities Total	116,613,000,000	108,922,000,000	108,989,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResult
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultEquityInstruments
Later than six months and not later than one year [member]
IfrsStatementLineItems [Line Items]
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncome			98,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments			98,000,000
Financial assets measured at fair value in profit or loss for trading	2,978,000,000	5,031,000,000	5,763,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDebtInstruments	2,083,000,000	2,261,000,000	4,046,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	3,000,000	8,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	892,000,000	2,762,000,000	1,717,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncome	1,550,000,000	4,690,000,000	13,850,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments	1,550,000,000	4,690,000,000	13,850,000,000
Nondiscounted Future Flows Except Derivatives Financial Assets Measured At Amortized Cost	70,435,000,000	78,187,000,000	69,004,000,000
Loans and Other Amounts with Credit Institutions	1,777,000,000	2,041,000,000	2,901,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	62,102,000,000	55,118,000,000	64,194,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	6,556,000,000	21,028,000,000	1,909,000,000
Nondiscounted Future Flows Except Derivatives Interestearning Assets Total	74,963,000,000	87,907,000,000	88,715,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTrading	1,552,000,000	2,191,000,000	2,088,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	1,552,000,000	2,191,000,000	2,088,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingShortPositions
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCost	116,122,000,000	102,585,000,000	93,103,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDepositsFromTheCentralBankOfBrazilAndDepositsFromCreditInstitutions	18,007,000,000	25,626,000,000	22,860,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostCustomerDeposits	75,869,000,000	67,467,000,000	62,606,000,000
Bonds and securities	22,246,000,000	9,492,000,000	7,637,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDebtInstrumentsEligibleToCapital
Nondiscounted Future Flows Except Derivatives Interestbearing Liabilities Total	117,674,000,000	104,776,000,000	95,191,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResult
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultEquityInstruments
Later than one year and not later than five years [member]
IfrsStatementLineItems [Line Items]
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncome			667,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments			667,000,000
Financial assets measured at fair value in profit or loss for trading	23,846,000,000	16,365,000,000	63,618,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDebtInstruments	13,844,000,000	8,786,000,000	53,814,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments	25,000,000	11,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	9,977,000,000	7,568,000,000	9,804,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncome	33,176,000,000	50,092,000,000	75,849,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments	33,176,000,000	50,092,000,000	75,849,000,000
Nondiscounted Future Flows Except Derivatives Financial Assets Measured At Amortized Cost	185,653,000,000	172,736,000,000	208,295,000,000
Loans and Other Amounts with Credit Institutions	1,815,000,000	2,313,000,000	4,205,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	158,805,000,000	150,204,000,000	188,430,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	25,033,000,000	20,219,000,000	15,660,000,000
Nondiscounted Future Flows Except Derivatives Interestearning Assets Total	242,675,000,000	239,194,000,000	348,429,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTrading	8,425,000,000	11,196,000,000	12,629,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	8,425,000,000	11,196,000,000	12,629,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingShortPositions
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCost	183,013,000,000	165,145,000,000	145,931,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDepositsFromTheCentralBankOfBrazilAndDepositsFromCreditInstitutions	8,710,000,000	10,610,000,000	8,014,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostCustomerDeposits	125,473,000,000	105,690,000,000	110,809,000,000
Bonds and securities	48,830,000,000	48,845,000,000	27,109,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDebtInstrumentsEligibleToCapital
Nondiscounted Future Flows Except Derivatives Interestbearing Liabilities Total	191,438,000,000	176,341,000,000	158,560,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResult
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultEquityInstruments
Above 5 Years [Member]
IfrsStatementLineItems [Line Items]
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncome	3,957,000,000	3,122,000,000	2,900,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInIncomeDebtInstruments	3,957,000,000	3,122,000,000	2,900,000,000
Financial assets measured at fair value in profit or loss for trading	13,617,000,000	8,023,000,000	25,488,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDebtInstruments	9,841,000,000	5,539,000,000	21,859,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingEquityInstruments		3,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInProfitOrLossForTradingDerivatives	3,776,000,000	2,481,000,000	3,629,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncome	9,116,000,000	15,833,000,000	35,538,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeDebtInstruments	9,116,000,000	15,833,000,000	35,538,000,000
Nondiscounted Future Flows Except Derivatives Financial Assets Measured At Amortized Cost	86,193,000,000	78,053,000,000	135,782,000,000
Loans and Other Amounts with Credit Institutions
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostLoansAndAdvancesToCustomers	80,378,000,000	76,554,000,000	135,987,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtAmortizedCostDebtInstruments	5,815,000,000	1,499,000,000	(205,000,000)
Nondiscounted Future Flows Except Derivatives Interestearning Assets Total	112,883,000,000	105,032,000,000	199,709,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTrading	3,417,000,000	2,703,000,000	3,515,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingDerivatives	3,417,000,000	2,703,000,000	3,515,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesMeasuredAtFairValueInIncomeHeldForTradingShortPositions
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCost	31,518,000,000	25,366,000,000	16,471,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDepositsFromTheCentralBankOfBrazilAndDepositsFromCreditInstitutions	7,903,000,000	2,742,000,000	2,802,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostCustomerDeposits	26,000,000	23,000,000	215,000,000
Bonds and securities	4,174,000,000	3,097,000,000	333,000,000
FutureCashFlowsExceptForDerivativesFinancialLiabilitiesAtAmortizedCostDebtInstrumentsEligibleToCapital	19,415,000,000	19,504,000,000	13,120,000,000
Nondiscounted Future Flows Except Derivatives Interestbearing Liabilities Total	R$ 34935000000	28,069,000,000	19,986,000,000
FutureCashFlowsExceptForDerivativesFinancialAssetsMeasuredAtFairValueInOtherComprehensiveIncomeEquityInstruments
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResult
FutureCashFlowsExceptForDerivativesFinancialAssetsNotIntendedForTradingMandatoryMeasuredAtTheFairValueOfTheResultEquityInstruments

Risk management (Details 7)

Risk management (Details 7) - BRL (R$) R$ in Millions	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Risk Management
Net Interest Margin	R$ 954	R$ 553	R$ 432
Market Value of Equity	2,154	1,675	1,771
VaR	R$ 971	R$ 791	R$ 1365

Risk management (Details 8)

Risk management (Details 8) R$ in Thousands	12 Months Ended
	Dec. 31, 2022 BRL (R$)
Interest Rate Reais [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in interest fixed rate
Interest Rate Reais [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 3551
Interest Rate Reais [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(118,932)
Interest Rate Reais [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 237864
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$ 133
Coupon Interest Rate [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(2,163)
Coupon Interest Rate [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 4327
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$ 338
Coupon US Dollar [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(1,090)
Coupon US Dollar [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 2180
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$ 3201
Coupon Other Currencies [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(11,599)
Coupon Other Currencies [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 23198
Foreign Currency [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to foreign exchange
Foreign Currency [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 4779
Foreign Currency [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(119,468)
Foreign Currency [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 238936
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$ 598
Eurobond/Treasury/Global [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(7,856)
Eurobond/Treasury/Global [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 15712
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$ 10476
Inflation [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(117,218)
Inflation [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 234436
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$ 428
Shares And Indexes [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(10,688)
Shares And Indexes [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 21375
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$ 588
Commodities [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(14,688)
Commodities [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(29,376)
Trading Portfolio Total [Member] | Trading Scenario A [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(24,092)
Trading Portfolio Total [Member] | Trading Scenario B [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	(403,702)
Trading Portfolio Total [Member] | Trading Scenario C [Member]
IfrsStatementLineItems [Line Items]
Risk Factor	R$ 807404

Risk management (Details 9)

Risk management (Details 9) R$ in Thousands	12 Months Ended
	Dec. 31, 2022 BRL (R$)
Interest Rate Reais [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to changes in interest fixed rate
Interest Rate Reais [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 73235
Interest Rate Reais [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(2,799,153)
Interest Rate Reais [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 5864517
TR And Long Term Interest Rate TJLP [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to TR and TJLP Coupon Variation
Portfolio Banking Risk Factor	R$ 8008
TR And Long Term Interest Rate TJLP [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(220,681)
TR And Long Term Interest Rate TJLP [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 404026
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$ 39332
Inflation [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(629,260)
Inflation [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 1159017
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$ 13644
Coupon US Dollar [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(148,985)
Coupon US Dollar [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 288282
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$ 399
Coupon Other Currencies [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(5,284)
Coupon Other Currencies [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 11041
Interest Rate Markets International [Member]
IfrsStatementLineItems [Line Items]
Description	Exposures subject to Variation in the Interest Rate of Securities Traded in the International Market
Interest Rate Markets International [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 25479
Interest Rate Markets International [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(290,429)
Interest Rate Markets International [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 601714
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$ 422
Foreign Currency [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(10,539)
Foreign Currency [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(21,079)
Portfolio Banking Total [Member] | Portfolio Scenario 1 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(160,519)
Portfolio Banking Total [Member] | Portfolio Scenario 2 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	(4,104,331)
Portfolio Banking Total [Member] | Portfolio Scenario 3 [Member]
IfrsStatementLineItems [Line Items]
Portfolio Banking Risk Factor	R$ 8349676

Risk management (Details 10)

Risk management (Details 10)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Risk Management
Credit	55%	62%	69%
Market	2%	2%	2%
ALM	7%	6%	2%
Business	9%	7%	3%
Operational	4%	7%	6%
Fixed Assets	1%	1%	2%
Intangible Assets	3%	5%	5%
Pension Funds	1%	1%	2%
Deferred Tax Assets	18%	9%	9%
TOTAL	100%	100%	100%

Risk management (Details Narrat

Risk management (Details Narrative)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Risk Management
Deliquency ratio	7.50%	5.46%	5.55%

Subsequent Events (Details Narr

Subsequent Events (Details Narrative)	Jan. 19, 2023 BRL (R$)
Subsequent Event Type [Member]
IfrsStatementLineItems [Line Items]
Distribution of interim dividend	R$ 1700000000

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, 2022	Dec. 31, 2021	Dec. 31, 2020
Reconciliation Of Stockholders Equity And Net Income - Brgaap Vs Ifrs
Stockholders' equity attributed under to the Parent Brazilian GAAP	R$ 82061915	R$ 78739563	R$ 78968183
IFRS adjustments, net of taxes, when applicable:
Reclassification of financial instruments at fair value through profit or loss	(54,801)	(103,386)	(882)
Reclassification of  fair value through other comprehensive income	(33)	182,094	(522,107)
Impairment of financial assets measured at amortized cost	(816,600)	(1,468,494)	(635,194)
Remensurations, Debt instruments, due to reclassifications IFRS 9			907
Category transfers - IFRS 9	(219,671)	(141,260)	357,972
Deferral of financial fees, commissions and inherent costs under effective interest rate method	1,493,810	1,549,438	1,324,853
Reversal of goodwill amortization	27,136,573	26,709,187	27,527,699
Realization on purchase price adjustments	594,784	603,544	615,953
Option for Acquisition of Equity Instrument	(798,016)	(763,988)	(1,744,336)
Santander Serviços goodwill (Santusa)	(298,978)	(179,387)	(209,285)
Reversal of Provision PIS Law 9,718	980,212
Others	103,640	512,835	93,224
Stockholders' equity attributed to the parent under IFRS	110,182,834	105,640,146	105,776,987
Non-controlling interest under IFRS	497,342	334,349	312,885
Stockholders' equity (including non-controlling interest) under IFRS	110,680,176	105,974,495	106,089,872
Net income attributed to the Parent under Brazilian GAAP	12,570,191	14,987,716	13,469,380
IFRS adjustments, net of taxes, when applicable:
Reclassification of financial instruments at fair value through profit or loss	(9,826)	(83,995)	(27,428)
Reclassification of  fair value through other comprehensive income	(177,887)	45,826	68,960
Impairment of financial assets measured at amortized cost	805,578	(1,028,937)	(498,778)
Remensurations, Debt instruments, due to reclassifications IFRS 9			907
Category transfers - IFRS 9	14,722	126,520	(78,057)
Deferral of financial fees, commissions and inherent costs under effective interest rate method	(90,260)	215,525	185,478
Reversal of goodwill amortization	96,162	29,658	145,903
Realization on purchase price adjustments	(8,760)	(17,758)	(5,348)
Option to Acquire Own Equity Instrument	184,810	1,180,949	318,929
Santander Serviços goodwill (Santusa)		29,898	29,898
Tax credit with realization over 10 years			(184,005)
Reversal of Provision PIS Law 9,718	980,212
Others	(77,849)	42,648	(7,311)
Net income attributed to the parent under IFRS	14,287,093	15,528,051	13,418,528
Non-controlling interest under IFRS	52,382	31,272	32,224
Net income (including non-controlling interest) under IFRS	R$ 14339475	R$ 15559323	R$ 13450752

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, 2022	Dec. 31, 2021	Dec. 31, 2020
Statements Of Value Added
Interest and similar income	R$ 115225118	R$ 77987308	R$ 62774940
Net fee and commission income	14,875,880	15,273,301	16,228,214
Impairment losses on financial assets (net)	(24,828,749)	(17,112,734)	(17,450,188)
Other income and expense	2,174,855	(3,843,999)	(5,012,403)
Interest expense and similar charges	(67,721,941)	(28,885,478)	(18,332,228)
Third-party input	(8,207,227)	(8,078,399)	(7,946,539)
Materials, energy and others	(895,734)	(713,400)	(641,831)
Third-party services	(6,317,067)	(6,231,129)	(6,424,755)
Impairment of assets	(161,434)	(165,799)	(84,908)
Other	(832,992)	(968,071)	(795,045)
Gross added value	31,517,936	35,339,999	30,261,796
Retention
Depreciation and amortization	(2,585,502)	(2,433,921)	(2,579,127)
Added value produced	28,932,434	32,906,078	27,682,669
Investments in affiliates and subsidiaries	199,179	144,184	112,261
Added value to distribute	29,131,613	33,050,262	27,794,930
Added value distribution
Employee	R$ 9894413	R$ 8045893	R$ 7943711
Employee	34%	24.30%	28.60%
Compensation	R$ 6351116	R$ 5929439	R$ 5749669
Benefits	1,737,282	1,593,386	1,514,611
Government severance indemnity funds for employees - FGTS	2,221	431,249	448,457
Other	1,803,794	91,819	230,974
Taxes	R$ 4749350	R$ 9269368	R$ 6298717
Taxes Percent	16.30%	28%	22.70%
Federal	R$ 4625498	R$ 8332994	R$ 10088318
State	123,852	813	(830,771)
Municipal		935,561	(2,958,830)
Compensation of third-party capital - rental	R$ 148375	R$ 175677	R$ 101749
Compensation of third-party capital - rental	0.50%	0.50%	0.40%
Remuneration of interest on capital	R$ 14339475	R$ 15559324	R$ 13450753
Remuneration of interest on capital	49.20%	47.20%	48.40%
Dividends and interest on capital	R$ 8100000	R$ 9649000	R$ 3837085
Profit Reinvestment	6,187,093	5,879,052	9,581,444
Profit (loss) attributable to non-controlling interests	52,382	31,272	32,224
Total	R$ 29131613	R$ 33050262	R$ 27794930
Total	100,000%	100,000%	100,000%