Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000111
Chunk: 85

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 85
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 sheet as at 30 June 2025.</div>

| 100 |     | January - June 2025 |

<div align='center'>Translation of interim condensed consolidated financial statements originally issued in Spanish and prepared in accordance with the regulatory financial reporting framework applicable to the Group in Spain (see Notes 1 and 17). In the event of a discrepancy, the Spanish-language version prevails.</div>

### GRUPO SANTANDER
<div align='center'>CONDENSED CONSOLIDATED BALANCE SHEETS AS AT 30 JUNE 2025 AND 31 DECEMBER 2024

(EUR million)</div>

| LIABILITIES                                                                         |     | Note |     | 30-06-2025 |           |           | 31-12-2024 (*) |           |           |
| FINANCIAL LIABILITIES HELD FOR TRADING                                              |     |    9 |     |            |           |   155,682 |                |           |   152,151 |
| FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS (**)          |     |    9 |     |            |           |    35,513 |                |           |    36,360 |
| FINANCIAL LIABILITIES AT AMORTISED COST                                             |     |    9 |     |            |           | 1,400,632 |                |           | 1,484,322 |
| HEDGING DERIVATIVES                                                                 |     |      |     |            |           |     4,431 |                |           |     4,752 |
| CHANGES IN THE FAIR VALUE OF HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK |     |      |     |            |           |        70 |                |           |        -9 |
| LIABILITIES UNDER INSURANCE CONTRACTS                                               |     |      |     |            |           |    18,343 |                |           |    17,829 |
| PROVISIONS                                                                          |     |      |     |            |           |     8,098 |                |           |     8,407 |
| Pension and other post-retirement obligations                                       |     |   10 |     |            |     1,652 |           |                |     1,731 |           |
| Other long term employee benefits                                                   |     |   10 |