Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 83

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 83
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 products and services, are able to access the financial system or receive tailored finance. Financially underserved groups are defined as people who do not have a current account, or who have an account but obtained alternative (non-bank) financial services in the last 12 months. Beneficiaries of various programmes are included in the quantification process only once in the entire period. Only new empowered people are counted, taking as a base year those existing since 2019.

• FX : Foreign Exchange

• GB : Global Banking

• GDP : Gross Domestic Product

• GM : Global Markets

• GTB : Global Transaction Banking

• IA : Artificial intelligence

• IFRS 5 : International Financial Reporting Standard 5, regarding non-current Assets Held for Sale and Discontinued Operations

• IFRS 8 : International Financial Reporting Standard 8, regarding operating segments

• IFRS 9 : International Financial Reporting Standard 9, regarding financial instruments

• IT : Information technology

• LCR : Liquidity Coverage Ratio

• LLPs : Loan-loss provisions

• MDA : Maximum Distributable Amount

• mn : Million

• MREL : Minimum Requirement for own funds and eligible liabilities)

• NII : Net interest income

• NPS : Net promoter score

• ODS : Open Digital Services

• P2R : Pillar 2 requirement

• Payments : PagoNxt (Getnet, Ebury and PagoNxt) and Cards

• PB : Private Banking

• PBT : Profit before tax

• Phygital : The merging of the physical and digital worlds to create enhanced customer experiences

• PoS : Point of sale

• pp : percentage points

• QoQ : quarter-on-quarter

• Retail : Retail & Commercial Banking

• Repos : Repurchase agreements

• RoA : Return on assets

• RoE : Return on equity

• RoRWA : Return on risk-weighted assets

• RoTE : Return on tangible equity

• RoTE (post-AT1) : Return on tangible equity excluding the cost of AT1issuances from the numerator.

• RWAs : Risk-weighted assets

• Sales conversion : Indicator that measures the effectiveness of a commercial process in converting opportunities into actual sales

• SAM : Santander Asset Management

• SBNA : Santander Bank N.A.

• SC USA : Santander Consumer USA

• SEC : Securities and Exchanges Commission

• SHUSA : Santander Holdings USA, Inc