Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000132
Chunk: 20

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 20
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). |     |      |     |              |
| Retail                                                                            |     | Consumer |     | CIB     |     | Demand                                                                                                                                                     |     | Time |     | Mutual funds |
| 0%                                                                                |     | +2%      |     | +5%     |     | +4%                                                                                                                                                        |     | +6%  |     | +16%         |
| Note: changes in constant euros. Includes Poland.                                 |     |          |     |         |     |                                                                                                                                                            |     |      |     |              |

Loans and advances to customers

Loans and advances to customers stood at EUR 1,027,209 million as at end September 2025, reflecting a 2% increase quarter-on-quarter and 4% decrease year-on-year. This year-on-year comparison was affected by the Poland disposal as, in accordance with IFRS 5 requirements and only from 30 June 2025 onwards, the assets related to the Poland disposal are aggregated under the 'non-current assets held for sale' line. For the purpose of analysing traditional banking loans, the Group uses gross loans and advances to customers excluding reverse repos. We continue to analyse gross loans and advances to customers excluding reverse repos including Poland, i.e. maintaining the same perimeter that existed at the time of the announcement of the Poland disposal. As at end September 2025, gross loans and advances to customers excluding reverse repos, including Poland, totalled EUR 1,006,978 million. Additionally, the comments below do not include the exchange rate impact (i.e. in constant euros) except for Argentina and any grouping which includes it. For further information, see the 'Alternative performance measures' section in this report. Compared to June 2025 , gross loans and advances to customers (excluding reverse repos and including Poland), increased 1% in constant euros with the following detail: • In Retail , they were flat, as the increase in mortgages offset the decline in SMEs in Spain and the UK. • In Consumer , they were also flat as higher balances mainly in the US, Mexico and Brazil, offset lower volumes in DCB Europe (due to portfolio sales).

| Gross loans and advances to customers (excl. reverse repos) |
| EUR billion. Including Poland                               |

|                 | -1 | % | 1 |
| Sep-25 / Sep-24 |    |   |   |

1. In constant euros: +2%.

• In CIB , loans increased