Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 12

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 12
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 have repurchased more than 15% of its outstanding shares RoTE post-AT1 EPS TNAVps + Cash DPS € per share Cash DPS: €22.50 cents€ cents 5.04 5.56 5.79 Sep-24 Sep-25 56.8 66.1 9M'24 9M'25 +0.7pp +15% 15.4% 16.1% 9M'24 9M'25 +16%

16 Index 9M'25 Highlights Progress on our strategy 1 Group review 2 Final remarks 3 Appendix 4

17 Strong revenue performance supporting net operating income and double-digit profit growth Note: 9M’25 ‘attributable profit' and 'underlying attributable profit’ were the same, as the ‘net capital gains and provisions’ line was zero since it includes two events, registered in Q2’25, that fall outside the ordinary course of our business, with equal value but opposite signs. For more information, see slide 52. All references to variations in constant euros across the presentation include Argentina in current euros to mitigate distortions from a hyperinflationary economy. For further information, see the ‘Alternative Performance Measures’ section of the Quarterly Financial Report. +3% 2,852 3,207 3,250 3,265 3,402 3,431 3,504 Q1'24 Q2 Q3 Q4 Q1'25 Q2 Q3 +2% Profit (€ mn) Profit (Constant € mn) 2,694 3,049 3,192 3,212 3,337 3,453 3,547 Current Constant Current Constant € million 9M'25 9M'24 % % % % NII 33,816 34,682 -2 2 -1 3 Net fee income 10,011 9,666 4 8 1 6 Other income 2,450 1,837 33 37 4 6 Total revenue 46,277 46,185 0 4 -0 4 Operating expenses -19,133 -19,262 -1 3 -1 3 Net operating income 27,144 26,923 1 5 0 5 LLPs -9,109 -9,219 -1 5 -4 2 Other results -2,535 -3,277