Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000105
Chunk: 7

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 7
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 1.0 +2% +0.9pp -1% 4.4 43.7% 1.5 +9% +0.4pp +15% 2.0 35.7% 0.9 +14% -1.5pp +24% 2.8 42.2% 0.3 +17% -4.6pp +47%* 31.0 41.5% 6.8 +5% -0.1pp +18% +2.7pp 17.2% +0.2pp 10.4% -1.5pp 20.8% 16.0% +0.9pp 67.3% -7.0pp 28.8% +8.7pp … supported by solid revenue growth across 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) Contribution to Group revenue EfficiencyH1’25 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 H1’25 50% 20% 14% 7% 9%

10 H1’25 FINANCIALS Note: data and YoY changes in constant euros. (1) Metrics cover all products and employees in the branch network in our 10 main countries. Retail: another quarter of strong YoY profit growth on the back of solid fee performance and better credit quality, as we become a digital bank with branches 

# of products1 (k) # of non-commercial FTEs1 per mn total customers Active customers (mn) KEY DRIVERSOperational leverage (€ mn, % vs. H1’24) CostsRevenue Deposits €643bn +3% CoR 0.89