Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 9

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 9
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 160 Sep-24 Sep-25 3.8 3.9 9M'24 9M'25 In real terms +1% Consumer: solid profit performance and deposit growth as we increase our customer base 1.18 0.97 0.88 FY'22 9M'24 9M'25 2.69 2.42 2.43 FY'22 9M'24 9M'25 +4% -9% +0%-5pp • We continue to expand Openbank’s offering with the recent launch of an AI-powered trading service, and fostering Zinia, e.g. providing instalment payments to Amazon customers in Spain • Loans up, driven by auto in DCBE and LatAm. Solid deposit growth across our footprint, reflecting our focus on deposit gathering • Strong profit growth boosted by NII (+6%, active margin management) and an excellent LLP performance in auto in the US Operational leverage (Constant € bn) RoTE post-AT1 10.4% -0.7pp

12Note: data and YoY changes in constant euros. 9M’25 FINANCIALS KEY DRIVERS % customer related revenue Fee growth (€ bn) % Total revenue / RWAs CIB: investments drove 7% fee growth and a RoTE of 20% • Solid execution of our strategy focused on fees and capital-light business, driving RoTE up to 20%, while maintaining a leading position in efficiency • Strong activity, with growth driven by Global Markets, supported by market volatility in H1, and Global Banking, on the back of our US transformation initiatives • Double-digit profit growth on the back of all-time high revenue, driven by record fees and solid NII performance CostsFees Loans €142bn +5% Deposits €134bn +8% CoR 0.10% -11bps Efficiency 44.9% +0.6pp Profit €2,168mn +10% 847 892 949 1,001 927 958 974 Q1'24 Q2 Q3 Q4 Q1'25 Q2 Q3 1.8 2.0 9M'24 9M'25 631 604 605 646 700 643 634 Q1'24 Q2 Q3 Q4 Q1'25 Q2 Q3 +7% +7% +6% In real terms +3% Recurrency performance (