Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000080
Chunk: 6

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 6
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 - Gravity (back-end) efficiencies - Process optimization - Global vendor agreements - IT&Ops shared-services -253bps -75bps -79bps ONE Transformation Global & Network businesses1 Global Tech capabilities & others Q1’25FY’22 Note: Q1’25 or latest available data. (1) As defined at the 2023 Investor Day. Efficiency execution 2022-Q1’25 Reminder from Investor Day Efficiency 2022-2025 200-250bps c. 42% 100-150bps 50-75bps FY’22 2025 ID target 41.8%45.8% 45.8%

9 … supporting value creation across our 5 global businesses Note: YoY changes in constant euros. The 2024 global business series have been slightly modified. These adjustments do not affect Group results. For more information, see the Appendix and the Quarterly financial report. 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 EfficiencyQ1’25 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 Q1’25 7.9 39.4% 1.9 +2% -1.3pp +28% 3.2 41.9% 0.5 +2% +0.8pp +6% 2.2 42.9% 0.8 +8% +1.3pp +18% 1.0 36.5% 0.5 +14% -1.4pp +28% 1.4 43.9% 0.1 +15% -4.5pp +30% 15.5 41.8% 3.4 +5% -0.8pp +24% +3.1pp 17.6% +2.3pp 9.7% -0.6pp 21.6% 15.8% +1.7pp 68.0% -2.1pp 28.