Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000132
Chunk: 74

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 74
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: Those customers who comply with the minimum balance, income and/or transactionality requirements as defined according to the business area

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#### ADR
: American Depositary Receipt

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#### AI
: Artificial intelligence

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#### APM
: Alternative Performance Measures

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#### AuMs
: Assets under management

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#### bn
: Billion

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#### bps
: basis points

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#### CDI
: CREST Depository Interest

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#### CET1
: Common Equity Tier 1

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#### CF
: Corporate Finance

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#### CHF
: Swiss francs

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#### CIB
: Corporate & Investment Banking

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#### CNMV
: Spanish National Securities Market Commission (Comisión Nacional del Mercado de Valores)

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#### Consumer
: Digital Consumer Bank

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#### Costs in real terms
: variations excluding the effect of average inflation over the last twelve months

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#### CRR
: Capital Requirements Regulation

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#### DCBE
: Digital Consumer Bank Europe

• DCB US: Digital Consumer Bank US

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#### Digital customers
: Every consumer of a commercial bank’s services who has logged on to their personal online banking and/or mobile banking in the last 30 days

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#### ECAs
: Export Credit Agencies, government-backed financial institutions that support domestic companies' international trade

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#### ECB
: European Central Bank

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#### EPS
: Earnings per share

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#### ESMA
: European Securities and Markets Authority

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#### Fed
: Federal Reserve

• Free float: total number of shares in circulation minus treasury shares as a % the total number of shares in circulation

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### Financial

#### inclusion
: Number of people who are unbanked, underbanked, in financial difficulty, with difficulties in accessing credit who, through the Group's products and services, are able to access the financial system or receive tailored finance. Financially underserved groups are defined as people who do not have a current account, or who have an account but obtained alternative (non-bank) financial services in the last 12 months. Beneficiaries of various programmes are included in the quantification process only once in the entire period. Only new empowered people are counted, taking as a base year those existing since 2019.

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#### FX
: Foreign Exchange

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#### GB
: Global Banking

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#### GDP
: Gross Domestic Product

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#### GM
: Global Markets

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#### GTB
: Global Transaction Banking

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#### IFRS