Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000105
Chunk: 9

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 9
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6.3 6.4 H1'24 H1'25 168 156 Jun-24 Jun-25 -12pp 25.0 25.9 Jun-24 Jun-25 +4% 2.6 2.7 H1'24 H1'25 +16% vs. Q1’25 In real terms +1% 0.99 0.89 H1'24 H1'25 -10% 2.48 2.44 H1'24 H1'25 -1%

12Note: data and YoY changes in constant euros. H1’25 FINANCIALS KEY DRIVERS % customer related revenue Fee growth (€ bn) % Total revenue / RWAs CIB: improvement in profitability driven by 9% fee growth year-on-year • Solid execution of our strategy focused on fees and capital-light business, driving RoTE above 20%, while we maintain a leading position in efficiency • Strong activity YoY mainly driven by our growth initiatives in Global Markets. Good performance across our footprint. Corporate Finance continued to gain scale in the US • Profit up double-digits with solid performances across all business lines, driven by all-time high revenue, mainly fees (also record) Recurrency performance (€ mn, % vs. H1’24) CostsFees Loans €135bn -2% Deposits €125bn 0% CoR 0.09% -6bps Efficiency 43.7% +0.4pp Profit €1,534mn +15% RoTE post-AT1 20.8% +2.7pp 855 900 957 1,010 935 967 Q1'24 Q2 Q3 Q4 Q1'25 Q2 1.2 1.4 H1'24 H1'25 +9% 635 608 610 650 705 647 Q1'24 Q2 Q3 Q4 Q1'25 Q2 +9% +8% 81 79 H1'24 H1'25 In real terms +5% +1.1pp 6.9 8.0 H1'24 H1'25

13 H1’25 FINANCIALS Note: data and YoY changes in constant euros. (1) Annualized YTD net new money as a % of PB’s 2024 customer assets and liabilities (CAL). Annualized YTD net sales as a %