Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000078
Chunk: 65

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 65
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 banking in the last 30 days

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#### ECB
: European Central Bank

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#### EPS
: Earnings per share

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#### ESMA
: European Securities and Markets Authority

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#### Fed
: Federal Reserve

• Free float: total number of shares in circulation minus treasury shares as a % the total number of shares in circulation

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#### Financial

#### inclusion
: Number of people who are unbanked, underbanked, in financial difficulty, with difficulties in accessing credit who, through the Group's products and services, are able to access the financial system or receive tailored finance. Financially underserved groups are defined as people who do not have a current account, or who have an account but obtained alternative (non-bank) financial services in the last 12 months. Beneficiaries of various programmes are included in the quantification process only once in the entire period. Only new empowered people are counted, taking as a base year those existing since 2019.

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#### FX
: Foreign Exchange

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#### GB
: Global Banking

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#### GDF
: Global Debt Financing

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#### GDP
: Gross Domestic Product

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#### GTB
: Global Transaction Banking

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#### IA
: Artificial intelligence

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#### IFRS 9
: International Financial Reporting Standard 9, regarding financial instruments

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#### IFRS 17
: International Financial Reporting Standard 9, regarding insurance contracts

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#### IT
: Information technology

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#### LCR
: Liquidity Coverage Ratio

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#### LLPs
: Loan-loss provisions

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#### MDA
: Maximum Distributable Amount

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#### mn
: Million

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#### MREL
: Minimum Requirement for own funds and eligible liabilities)

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#### NII
: Net Interest Income

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#### NPS
: Net Promoter Score

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#### ODS
: Open Digital Services

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#### PBT
: Profit before tax

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#### pp
: percentage points

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#### QoQ
: quarter-on-quarter

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#### P2R
: Pillar 2 requirement

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#### Payments
: PagoNxt (Getnet, Ebury y PagoNxt Payments) y Cards

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#### PB
: Private Banking

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#### PoS
: Point of sale

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#### Retail
: Retail & Commercial Banking

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#### Repos
: Repurchase agreements

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#### RoA
: Return on assets

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#### RoE
: Return on equity

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