Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000103
Chunk: 76

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 76
---
 LLPs
: Loan-loss provisions

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#### MDA
: Maximum Distributable Amount

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#### mn
: Million

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#### MREL
: Minimum Requirement for own funds and eligible liabilities)

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#### NII
: Net interest income

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#### NPS
: Net promoter score

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#### ODS
: Open Digital Services

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#### P2R
: Pillar 2 requirement

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#### Payments
: PagoNxt (Getnet, Ebury and PagoNxt) and Cards

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#### PB
: Private Banking

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#### PBT
: Profit before tax

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#### Phygital
: The merging of the physical and digital worlds to create enhanced customer experiences

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#### PoS
: Point of sale

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#### pp
: percentage points

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#### QoQ
: quarter-on-quarter

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#### Retail
: Retail & Commercial Banking

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#### Repos
: Repurchase agreements

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#### RoA
: Return on assets

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#### RoE
: Return on equity

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#### RoRWA
: Return on risk-weighted assets

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#### RoTE
: Return on tangible equity

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#### RoTE (post-AT1)
: Return on tangible equity excluding the cost of AT1issuances from the numerator.

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#### RWAs
: Risk-weighted assets

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#### Sales conversion
: Indicator that measures the effectiveness of a commercial process in converting opportunities into actual sales

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#### SAM
: Santander Asset Management

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#### SBNA
: Santander Bank N.A.

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### SC USA
: Santander Consumer USA

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#### SEC
: Securities and Exchanges Commission

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#### SHUSA
: Santander Holdings USA, Inc.

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#### SMEs
: Small and medium enterprises

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#### SPAC
: Special Purpose Acquisition Company

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#### Time-to-market
: The length of time it takes for a product or service to being available for purchase

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#### TLAC
: The total loss-absorbing capacity requirement which is required to be met under the CRD V package

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#### TNAV
: Tangible net asset value

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#### Token
: Digital unit that represents a value, right, or asset within a technological system, typically based on blockchain

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#### Tokenization
: Process by which a tangible or intangible asset is digitally represented through a token on a blockchain network or other secure technological infrastructure

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#### TPV
: Total payments volume

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