Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 82

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 82
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 0.43 |       |     |    0.37 |       |
| Diluted                                                                                                          |     |    0.43 |       |     |    0.37 |       |

(*) Includes -EUR 299 million at 30 June 2025 (-EUR 687 million at 30 June 2024) derived from the net monetary loss generated in Argentina as a result of the application of IAS 29 Financial reporting in hyperinflationary economies.

#### January - June202591
| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |
|                       |     |                             |     |                                  |     |                      |     | Glossary |     |       |

#### Glossary
• A2A : account-to-account

• Active customer : Those customers who comply with the minimum balance, income and/or transactionality requirements as defined according to the business area

• ADR : American Depositary Receipt

• APM : Alternative Performance Measures

• AuMs : Assets under management

• bn : Billion

• BNPL : Buy now, pay later

• bps : basis points

• CDI : CREST Depository Interest

• CET1 : Common Equity Tier 1

• CF : Corporate Finance

• CHF : Swiss francs

• CIB : Corporate & Investment Banking

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

• Consumer : Digital Consumer Bank

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

• CRR : Capital Requirements Regulation

• DCBE : Digital Consumer Bank Europe

• DCB US: Digital Consumer Bank US

• 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

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

• ECB : European Central Bank

• EPS : Earnings per share

• ESMA : European Securities and Markets Authority

• Fed : Federal Reserve

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

• Financial inclusion : Number of people who are unbanked, underbanked, in financial difficulty, with difficulties in accessing credit who, through the Group's