Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 7

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 7
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 FY’22 2025 ID target 45.8% 41.3%45.8%

9 … and double-digit profit growth, supported by our 5 global businesses Note: YoY changes in constant euros. (*) Payments YoY variation excluding the PagoNxt write-downs in Q2’24 of our investments related to our merchant platform in Germany and Superdigital in Latin America (€243mn, net of tax and minority interests). Contribution to Group revenue as a percentage of total operating areas, excluding the Corporate Centre. Global businesses’ RoTEs are adjusted based on Group’s deployed capital; targets have been adjusted for AT1 costs. GROUP CONSUMER CIB WEALTH PAYMENTS RETAIL Revenue (€ bn) Efficiency9M’25 Profit (€ bn) c.17% c.12% c.20% c.60% >30% c.16.5% RoTE post-AT1 PagoNxt EBITDA margin RoTE post-AT1 Profitability 2025 targets Profitability 9M’25 Contribution to Group revenue 21% 14% 6% 9% 50%23.3 39.2% 5.7 +1% +0.2pp +9% 9.7 40.9% 1.6 +3% +0.2pp +6% 6.4 44.9% 2.2 +6% +0.6pp +10% 3.0 35.9% 1.4 +13% -1.3pp +21% 4.4 40.8% 0.6 +19% -5.2pp +62%* 46.3 41.3% 10.3 +4% -0.4pp +16% 16.1% +0.7pp 66.0% -9.9pp 31.6% +8.9pp +2.3pp 17.6% -0.5pp 10.4% -0.7pp 19.7%

10 10.1 6.5 4.2 Dec-22 Sep-24 Sep-25 657 583 486 Dec-22 Sep-24 Sep-25 74.6 78.1 80.6 Dec-22 Sep-24 Sep-25 9M’25 FINANCIALS Note: data and