Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000105
Chunk: 18

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 18
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 QoQ and excluding Argentina CET1 performance YTD Detail by global business and country Reconciliation of underlying results to statutory results Glossary and additional notes

30 TNAVps+DPS (Growth YoY) (1) Our current ordinary shareholder remuneration policy is to distribute c.50% of Group reported profit (excluding non-cash, non-capital ratios impact items), distributed approximately 50% in cash dividend and 50% in share buybacks. Execution of the shareholder remuneration policy is subject to future corporate and regulatory decisions and approvals. (2) Those customers who meet transactional threshold in the past 90 days. (3) Total transactions annual growth include merchant payments, cards and electronic A2A payments. Target c.+8% CAGR 2022-25. (4) 2022-2024 ratios on a fully-loaded basis (as published in the Q4 2024 Financial Report), excluding the transitory treatment of IFRS 9 and the CRR. Jun-25 ratio on phased-in basis, calculated in accordance with the transitory treatment of the CRR. (5) Green finance raised & facilitated (€bn): since 2019. Financial inclusion (

# people, mn): since 2023. Targets were set in 2019 and 2021, before the publication of the European taxonomy in Q2 2023. Therefore, target definitions are not fully aligned with the taxonomy. For further information, see the 'Alternative performance measures' section of the Quarterly Financial Report. ONE Transformation is driving double-digit growth in value creation c.16.5% post-AT1 >17% pre-AT1 Double-digit growth average through-the-cycle 2022 2023 2024 H1'25 2025 ID targets RoTE post-AT1 (%) - - 15.5 16.0 - RoTE pre-AT1 (%) 13.4 15.1 16.3 16.7 15-17% Payout (Cash + SBB)¹ (%) 40 50 50 50 50 EPS growth (%) 23 21.5 17.9 18.5 Double-digit Total customers (mn) 160 165 173 176 c.200 Active customers (mn)² 99 100 103 105 c.125 Simplification & automation Efficiency ratio (%) 45.8 44.1 41.8 41.5 c.42 Customer