Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 127

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 127
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 such as digital credentials, tuition fee payments, certificates, schedules and discounts.

| For more details, visit the websitemycampusdigital.com |

→ Universia Network , represents a global space for meetings, cooperation and joint reflection between universities in the Ibero-American higher education area. → MetaRed is a collaborative network of heads of public and private Ibero-American higher education institutions to discuss and work together on three of the biggest challenges that universities are facing: digital transformation (MetaRed TIC), university entrepreneurship (MetaRed X), and sustainability (MetaRed ESG).

| For more details, visit the websitemetared.org |

2. Employability Our ambition to help people prosper through their upskilling and reskilling is embodied in our support for lifelong learning. This is a necessity demanded by both companies and society in order to respond to current and future challenges. Moreover, we facilitate access to employment in the early professional stages. → Santander Open Academy is a global platform for learning and professional development that offers, to any person, access to training to have better job opportunities. It offers free courses and open learning for skills in high demand by the labour market. In 2024, we launched short, direct access courses with unlimited seats and a certificate for participants to expand their knowledge and boost their skills anytime, anywhere.

| For more details, visit the websitesantanderopenacademy.com |

→ Universia is the platform through which Santander guides and posts job offers for young graduates and students who are coming to the end of their studies. It uses artificial intelligence to help them draw up their professional profile and uses online tests to measure their skills.

| For more details, visit the websiteuniversia.net |

→ Fundación Universia, a recognised international organisation, which participates in international forums of the United Nations and the International Labour Organization on topics related to inclusive culture. We bolster improvement of quality of life for people with disabilities and other vulnerable groups in educational and work environments.

| 654                                                                                 |     |                                                                   1,180 |
| scholarships and courses for students with disabilities and other vulnerable groups |     | people with disabilities and other vulnerable groups hired by companies |

| For more details, visit the websitefundacionuniversia.net |

3. Entrepreneurship We help SMEs create opportunity, grow and transform. → Santander X, a global initiative that provides access to training, advice and resources (including benefits) needed to launch, scale up and transform a business. We help entrepreneurs showcase the most impressive projects and connect with other