Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000132
Chunk: 8

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 8
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 . u Total shareholder remuneration charged against H1 2025 results will be approximately EUR 3,400 million, 11% higher than the remuneration charged against H1 2024 results . The amount is approximately 50% of H1 2025 attributable profit (around 25% through cash dividend payments and around 25% through share buybacks). u At the end of the quarter, TNAV per share was EUR 5.56. Including the final cash dividend against 2024 results and the interim cash dividend charged against 2025 results , TNAV per share increased 15% year-on-year.

| Think Customer |

| 

# OF CUSTOMERS(Sep-25) |     |     |    |
| Total customers:       |     | 178 | mn |
| Active customers:      |     | 106 | mn |

u We continue to implement our global platforms across our businesses. For example, Gravity , our technology which enhances customer experience through digital channels, reduces transaction costs and improves response times, is already fully implemented in Spain, the US and Chile, and we are in the process of rolling it out in Mexico in Q4 2025. u These developments, along with other initiatives focused on delivering a great customer experience and improving service quality, enable us to rank in the top 3 for NPS 2 in most of our markets and to continue growing the Group’s customer base. u As a result, we had 178 million total customers , with a year-on-year increase of more than 7 million, and active customers grew more than 3 million, reaching 106 million.

| Think Global |

| Contribution to Group revenue3 |     |          |     |     |
|                                |     | Retail   |     | 50% |
|                                |     | Consumer |     | 21% |
|                                |     | CIB      |     | 14% |
|                                |     | Wealth   |     | 6%  |
|                                |     | Payments |     | 9%  |

9M 2025 data. Year-on-year changes in constant euros. u In Retail , attributable profit grew 9% to EUR 5,670 million, backed by better net fee income and provisions, with good performance in net interest income and costs declining in real terms. u The efficiency ratio stood at 39.2% and cost of risk improved to 0.89%. RoTE (post-AT1) was