Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000111
Chunk: 53

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 53
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 among others.

•

#### Further evolving CIB's global operating model
, in line with the Group’s initiatives to expand our global platforms and strengthen the support functions to foster business growth, team specialization and synergies.

We are improving our Originate-to-Share (OtS) model, with focus on capital efficiency, active management and profitability.

| Recent awards                                             |     |                                                                     |     | Ranking in League Tables H1 2025 |     |                      |     |      |
| Euromoney                                                 |     | Global Capital                                                      |     | Structured Finance               |     | Debt Capital Markets |     |      |
| Best Investment Bank in Spain and Poland                  |     | SRT Bank of the Year in Europe and US / Emerging Force in SSA Bonds |     |                                  |     |                      |     |      |
| IJGlobal                                                  |     | Global Finance                                                      |     | Equity Capital Markets           |     | M&A                  |     | ECAs |
| Renewable Deal of the Year - Offshore Wind, North America 
 Oil & Gas Deal of the Year - Africa                       |     | Best Bank for Transaction Banking in Latin America                  |     |                                  |     |                      |     |      |

| 38 |     | January- June2025 |

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

Business performance We remain focused on capital-light activity and actively managing our balance sheet. As a result, our total revenue to risk-weighted assets ratio improved 1.1 pp year-on-year up to 8.0%. Gross customer loans and advances (which are mainly concentrated in GB and GTB), excluding reverse repos and in constant euros, were down 2% year-on-year, as the increase in GM could not compensate the decrease in GTB (mainly South America). Customer deposits, excluding repos and in constant euros, were flat year-on-year, as the growth in Cash Management (GTB) was offset by the reduction in GM, in line with our strategy to optimize funding costs. By business line, we had the following performance: • Global Transaction Banking recorded good activity levels in a challenging business environment: In Trade & Working Capital Solutions, activity continued to accelerate driven by: i) new value-added initiatives, such as the enhanced platform to centralize our clients' confirming needs, ii) the expansion into new segments and the diversification of client