Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000132
Chunk: 40

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 40
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 customers  |     |     |     |      151,824 |     |     |     | 15,221 |     | 22,609 |     |     |     | 21,696 |     |     |     | 72,185 |
|                  |     | +4% |     |              |     | +1% |     |    +1% |     |        |     | +2% |     |        |     | +7% |     |        |
| Active customers |     |     |     |       80,614 |     |     |     |  8,956 |     | 13,519 |     |     |     | 11,211 |     |     |     | 33,133 |
|                  |     | +3% |     |              |     | +4% |     |    -1% |     |        |     | +5% |     |        |     | +4% |     |        |

| 32 |     | January- September2025 |

| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |

Business performance

Gross loans and advances to customers, excluding reverse repos and in constant euros, were stable year-on-year, as the increase in individuals due to mortgages offset the decrease in SMEs. In individuals, the mortgage portfolio grew in most countries, particularly in Portugal, Brazil and Mexico. Personal loans also increased in most countries, especially in Argentina, Spain, Chile and Poland, which amply offset the decrease in Brazil, which reflects our capital optimization strategy and macro environment in the country. SME loans were affected by lower volumes in Spain, the UK and Chile, with positive dynamics across the rest of our footprint. Corporate loans were stable as the increases in most countries, offset declines, especially in Spain, in line with our active risk management and our focus on profitability, and in the US, due to the run-off of non-core portfolios. Customer deposits, excluding repos and in constant euros, grew 4% year-on-year, driven by good performances in most countries. By product, there was a 9% increase in time deposits with positive performances across Europe and South America. Demand deposits rose 2%, increasing across the board except in the UK, Brazil and Argentina. Mutual funds grew 19% year-on-year in constant