Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000078
Chunk: 8

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 8
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 In CIB , attributable profit reached a new quarterly record of EUR 806 million, with double-digit growth driven by total income, supported by net fee income, especially in Global Transaction Banking. u The efficiency ratio stood at 42.9%. RoTE (post-AT1) improved 3.1 pp to 21.6%.

u In Wealth , attributable profit amounted to EUR 471 million, also rising double-digits, driven by net fee income (greater activity) and higher revenue from our joint ventures in Insurance, more than offsetting the impact of interest rates on net interest income and higher costs, reflecting our investments in key initiatives such as reinforcing Private Banking teams. u The efficiency ratio improved 1.4 pp to 36.5% and RoTE (post-AT1) was 68.0%.

u In Payments , attributable profit reached EUR 126 million, boosted by double-digit growth in net interest income and fees, with costs flat, partially offset by higher provisions in Cards in Brazil and Mexico, in part due to portfolio growth. u Cost of risk was 7.52%. In PagoNxt, EBITDA margin reached 28.6% (+11.6 pp year-on-year).

1. This share buyback target includes i) buybacks that are part of the existing shareholder remuneration policy, and ii) additional buybacks following the publication of annual results to distribute year-end excesses of CET1 capital.

2. Net Promoter Score, internal benchmark of individual customers' satisfaction audited by Stiga/Deloitte in H2 2024.

3. As % of total operating areas, excluding the Corporate Centre.

| 8 |     | January- March2025 |

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

### Grupo Santander results
| Grupo Santander. Summarized income statement                                                                     |     |           |       |     |           |       |        |       |   |     |        |           |       |     |       |   |
| EUR  million                                                                                                     |     |           |       |     |           |       |        |       |   |     |        |           |       |     |       |   |
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