Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000035
Chunk: 5

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 5
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2025 RoTE ID target c.17% >14% >20% c.60% >30% 15-17% Note: YoY changes in constant euros. 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. (1) Payments profit and YoY profit growth exclude the write-downs of our investments related to our merchant platform in Germany and Superdigital in Latin America. Retail Consumer CIB Wealth Payments Group PagoNxt EBITDA margin 32.5 +11% 12.9 +6% 8.3 +14% 3.7 +15% 5.5 +9% 62.2 +10% 52% 20% 13% 6% 9% Profit (€bn) 1 Strong results underpinned by growth across our 5 global businesses excl. CHF and Motor Finance 12.0% 39.7% -3.4pp 40.1% -2.7pp 45.6% +0.6pp 35.9% -2.0pp 45.0% +0.7pp 41.8% -2.3pp 7.3 +29% 1.7 -12% 2.7 +16% 1.6 +14% 0.7 +18% 12.6 +15% 18.9% +3.7pp 9.8% -1.8pp 18.1% +0.5pp 78.7% +6.5pp 27.5% +2.7pp 16.3% +1.2pp

8 Customer experience Operational leverage Global platform Success from our transformation Products & services digitally available 62% Retail delivering operational leverage with a groundbreaking year in our transformation Note: data and YoY changes in constant euros. (1) Metrics cover all products and employees in the branch network in our 10 main countries. Global platform roll-out 30% Gravity 

# of products1 (k) # of non-commercial FTEs1 per mn total customers Active customers (mn) +5% -39% -13% 75.1 79.1 Dec-23 Dec-24 8.4 5.2 Dec-23 Dec-24 647 562 Dec-23 Dec-24 2,