Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000078
Chunk: 2

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 2
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| 3. | Allowances for loan-loss provisions over the last 12 months / Average loans and advances to customers over the last 12 months.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |

| 4 |     | January- March2025 |

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

### OUR BUSINESS MODEL
| CUSTOMER FOCUS                                                                                                                                                                                                                 |     |                 |     | Building a digital bank with branches    |     |                  |     |        |     |        |
| →We continue to build a digital bank with branches, with a multichannel offering to fulfil all our customers' financial needs.                                                                                                 |     |                 |     |                                          |     |                  |     | 175 mn |     | 104 mn |
|                                                                                                                                                                                                                                |     | total customers |     |                                          |     | active customers |     |        |     |        |
| SCALE                                                                                                                                                                                                                          |     |                 |     | Global and in-market scale               |     |                  |     |        |     |        |
| →Our global and in-market scale helps us to improve our local banks' profitability, adding value and network benefits.                                                                                                         
 →Our activities are organized under five global businesses: Retail & Commercial Banking (Retail), Digital Consumer Bank (Consumer), Corporate & Investment Banking (CIB), Wealth Management & Insurance (Wealth) and Payments. 
 →Our five global businesses support value creation based on the profitable growth and operational leverage that ONE Santander provides.                                                                                        |     |                 |     |                                          |     |                  |     |        |     |        |
| DIVERSIFICATION                                                                                                                                                                                                                |     |                 |     | Business, geographical and balance sheet |     |                  |     |        |     |        |
| →Well-balanced diversification between businesses and markets with a solid and simple balance sheet that gives us recurrent net operating income with low volatility and more predictable results.                             |     |                 |     |                                          |     |                  |     |        |     |        |

#### Our corporate culture
The Santander Way remains unchanged to continue to deliver for all our stakeholders.

| Our purpose                                                                                                                                                   |
| To help people and businesses prosper                                                                                                                         |
| Our aim                                                                                                                                                       |
| To be the best open financial services platform, by acting responsibly