Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 805

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 805
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 |     |      | 629,478 |                             |     | 196,878 |                       |     | 142,646 |                                |     |  22,247 |                               |     | 22,161 |          |     | 5,779 |                  |     | 1,019,188 |       |
| Customers funds                        |     |      | 675,028 |                             |     | 108,824 |                       |     | 195,814 |                                |     | 149,135 |                               |     |    688 |          |     |   895 |                  |     | 1,130,385 |       |
| Customer depositsB                     |     |      | 598,110 |                             |     | 102,946 |                       |     | 186,678 |                                |     |  57,014 |                               |     |    688 |          |     |   895 |                  |     |   946,331 |       |
| Investment funds                       |     |      |  76,918 |                             |     |   5,878 |                       |     |   9,136 |                                |     |  92,121 |                               |     |      — |          |     |     — |                  |     |   184,053 |       |

A. Excluding reverse repos.

B. Excluding repos.

Annual report 2024 773

| Contents |     | Auditor's report |     | Consolidated financial statements |     | Notes to the consolidated financial statements |     | Appendix |

The condensed income statements for the primary segments are as follows:

| EUR million                                            |     |      |         |                             |     |        |                       |     |        |                                |     |        |                               |     |        |          |     |        |                  |     |         |       |
|                                                        |     | 2024 |         |                             |     |        |                       |     |        |                                |     |        |                               |     |        |          |     |        |                  |     |         |       |
| Underlying income statement (condensed)                |     |      |         | Retail & Commercial Banking |     |        | Digital Consumer Bank |     |        | Corporate & Investment Banking |     |        | Wealth Management & Insurance |     |        | Payments |     |        | Corporate Centre |     |         | Total |
| Net interest income