Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 7

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 7
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89% and 2.09%, respectively, compared to the same period in 2024.

u As at end June 2025, the CET1 ratio stood at 13.0%, +0.1 pp quarter-on-quarter. We had 54 bps of capital through attributable profit generation which more than offset the -29 bp impact related to capital distributions (including the deduction for the accrual of shareholder remuneration against profit earned in Q2 2025, in line with our 50% payout target 2 , and AT1 costs), -6 bps from regulatory headwinds (mostly relating to capital model changes) and -8 bps from markets and others.

Note: in this section, results are presented on an underlying basis and loans and advances to customers, customer funds and other metrics include Poland, in line with previously published quarterly information, i.e. maintaining the same perimeter that existed at the time of the announcement of the Poland disposal. For further information, see the ' Significant e vents in the period ' and ' Alternative performance measures ' sections in this report.

1. CET1 ratio on phased-in basis, calculated in accordance with the transitory treatment of the CRR.

2. In line with our current ordinary shareholder remuneration policy of approximately 50% of the Group's reported profit (excluding non-cash, non-capital ratios impact items), divided approximately equally between cash dividends and share buybacks. The implementation of the shareholder remuneration policy is subject to future corporate and regulatory decisions and approvals.

#### 8January- June2025
| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |
|                       |     | Highlights of the period    |     |                                  |     |                      |     |          |     |       |

| Think Value |

| SHAREHOLDER REMUNERATION |     |                                                 |
| EUR million              |     |                                                 |
| +19%                     |     | higher than cash dividends against 2023 results |
| TNAVps + CASH DPS        |     |                                                 |
| nCash DPS: €21.0 cents   |     |                                                 |
| +16%                     |     |                                                 |
| / Jun-24                 |     |                                                 |

u On 4 April 2025, the AGM approved a final cash dividend charged against 2024 results in the gross amount of EUR