Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000103
Chunk: 75

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 75
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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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#### IA
: Artificial intelligence

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#### IFRS 5
: International Financial Reporting Standard 5, regarding non-current Assets Held for Sale and Discontinued Operations

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#### IFRS 8
: International Financial Reporting Standard 8, regarding operating segments

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#### IFRS 9
: International Financial Reporting Standard 9, regarding financial instruments

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#### IT
: Information technology

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#### LCR
: Liquidity Coverage Ratio

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