Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000103
Chunk: 40

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 40
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105 |
|                  |     | +5% |     |              |     | +2% |     |     0% |     |        |     | +3% |     |        |     | +8% |     |        |
| Active customers |     |     |     |       80,006 |     |     |     |  8,877 |     | 13,514 |     |     |     | 11,056 |     |     |     | 32,976 |
|                  |     | +4% |     |              |     | +5% |     |    -1% |     |        |     | +5% |     |        |     | +5% |     |        |

| January - June2025 |     | 31 |

| 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, decreased 1% year-on-year, affected by declines in SMEs and corporates. In individuals, there were reductions in mortgage portfolios in the UK, in line with our focus on profitability and capital optimization, in Spain, still impacted by prepayments, and in Chile due to lower demand. These declines were offset by good performances in mortgages in the other countries and personal loans especially in Spain, Argentina and Poland. SME loans were affected by lower volumes in Spain and the UK, with positive dynamics across the rest of our footprint. Corporate loans declined in Spain, in line with our focus on profitability, in the US, due to the run-off of non-core portfolios, and in Brazil, affected by the macro environment. Customer deposits, excluding repos and in constant euros, grew 3% year-on-year, driven by good performances in most countries. By product, there was a 14% increase in time deposits with good performances in most countries in Europe and South America. Demand deposits were stable, increasing across the board except in the UK and Brazil. Mutual funds rose 18% year-on-year in constant euros, with positive performances in most countries. Overall, customer funds increased 5% year-on-year in constant euros.

| Retail. Business performance.June 2025         |     |     |     |     |     |     |
| EUR billion and YoY % change in constant euros |