Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000105
Chunk: 11

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 11
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 •On track with our key strategic priorities to capture scale through global platforms, driving cost per transaction improvements • Increased activity both in PagoNxt (Getnet’s TPV +15%) and Cards (spending +9%) •Profit up strongly driven by double-digit revenue growth (NII and fees), both in PagoNxt and Cards, and by costs, improving in real terms even after our investments in global platforms PagoNxt EBITDA margin Loans €25bn +18% Getnet TPV €113bn +15% Cards Spending €166bn +9% Efficiency 42.2% -4.6pp Profit €335mn +47%* 28.8% +8.7pp 3.2 3.6 H1'24 H1'25 3.7 2.9 H1'24 H1'25 538 641 H1'24 H1'25 1,880 2,199 H1'24 H1'25 251 279 H1'24 H1'25 +11%+11% -21%+19% +17% Payments: enhanced scale through global platforms driving strong profit and profitability
15 15.1% 16.0% H1'24 H1'25 Note: TNAVps + Cash DPS includes the €10.00 cent cash dividend per share paid in November 2024 and €11.00 cent cash per share paid in May 2025, executed as part of our shareholder remuneration policy. Improving profitability and value creation with EPS up 19% and TNAVps + Cash DPS increasing 16% Since 2021, including the full buyback we announce today, Santander will have returned €11.2bn to shareholders via share buybacks and repurchased around 15% of its outstanding shares RoTE post-AT1 EPS TNAVps + Cash DPS € per share Cash DPS: €21.00 cents€ cents 4.94 5.50 5.71 Jun-24 Jun-25 36.7 43.5 H1'24 H1'25 +0.9pp +19% +16%

16 Index H1'25 Highlights Progress on our strategy 1 Group review 2 Final remarks 3 Appendix 4

17 +4% 2,852 3,207 3,250 3,265 3,402 3,431 Q1'24 Q