Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 19

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 19
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15.1 16.3 16.8 15-17% Payout (Cash + SBB)¹ (%) 40 50 50 50 50 EPS growth (%) 23 21.5 17.9 16.3 Double-digit Total customers (mn) 160 165 173 178 c.200 Active customers (mn)² 99 100 103 106 c.125 Simplification & automation Efficiency ratio (%) 45.8 44.1 41.8 41.3 c.42 Customer activity Transactions volume per active customer (% growth)³ - 10 9 7 c.+8 CET1 (%)⁴ 12.0 12.3 12.8 13.1 >12 RWA with RoRWA>CoE (%) 80 84 87 88 c.85 Green financed raised & facilitated (€bn) 94.5 115.3 139.4 165.4 120 Socially Responsible Investments (AuM) (€bn) 53 67.7 88.8 118.8 100 Financial inclusion (# People, mn) - 1.8 4.3 5.7 5 +6% +15% +14% +15% Profitability Customer centric Sustainability⁵ Capital c.16.5% post-AT1 >17% pre-AT1 CET1: 13% Operating range: 12-13%
30 Appendix 2025 Investor Day targets summary Group P&L QoQ and excluding Argentina CET1 performance YTD Detail by global business and country Reconciliation of underlying results to statutory results Glossary and additional notes

31 -0% Group P&L QoQ variations and excluding Argentina Note: underlying P&L. Fees NII 2,914 2,987 3,020 3,013 3,134 3,125 3,170 Costs LLPs Revenue 2,836 2,878 2,845 2,905 3,008 2,919 2,801 Q1'24 Q2 Q3 Q4 Q1'25 Q2 Q3 13,986 14,455 14,462 14,750 14,723 14,951 14,949 10,334 10,524 10,645 10,715 10,730 10,901 10,927 Constant