Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 84

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 84
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• SMEs : Small and medium enterprises

• SPAC : Special Purpose Acquisition Company

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

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

• TNAV : Tangible net asset value

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

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

• TPV : Total payments volume

• VaR : Value at Risk

• Wealth : Wealth Management & Insurance

• YoY : year-on-year

#### 92January- June2025
| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix              |     | Index |
|                       |     |                             |     |                                  |     |                      |     | Important information |     |       |

#### Important information
Non-IFRS and alternative performance measures

Banco Santander, S.A. (“Santander”) cautions that this report may contain financial information prepared according to International Financial Reporting Standards (IFRS) and taken from our consolidated financial statements, as well as alternative performance measures (APMs) as defined in the Guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority (ESMA) on 5 October 2015, and other non-IFRS measures. The APMs and non-IFRS measures were calculated with information from Grupo Santander; however, they are neither defined or detailed in the applicable financial reporting framework nor audited or reviewed by our auditors. We use the APMs and non-IFRS measures when planning, monitoring and evaluating our performance. We consider them to be useful metrics for our management and investors to compare operating performance between accounting periods.

Nonetheless, the APMs and non-IFRS measures are supplemental information; their purpose is not to substitute the IFRS measures. Furthermore, companies in our industry and others may calculate or use APMs and non-IFRS measures differently, thus making them less useful for comparison purposes. APMs using environmental, social and governance labels have not been calculated in accordance with the Taxonomy Regulation or with the indicators for principal adverse impact in SF