Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000033
Chunk: 14

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 14
---
                                          |     |    0.77 |      |     |    0.65 |      |

(*) Includes -EUR 1,225 million at 31 December 2024 (-EUR 1,016 million at 31 December 2023) derived from the net monetary loss generated in Argentina as a result of the application of IAS 29 Financial reporting in hyperinflationary economies.

| January - December2024 |     | 61 |

| Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Appendix |     | Index |
|                       |     |                             |     |                                  |     | Glossary |     |       |

Glossary

•

#### Active customer
: Those customers who comply with the minimum balance, income and/or transactionality requirements as defined according to the business area

•

#### APM
: Alternative Performance Measures

•

#### bn
: Billion

•

#### bps
: basis points

•

#### CET1
: Common Equity Tier 1

•

#### CF
: Corporate Finance

•

#### CHF
: Swiss francs

•

#### CIB
: Corporate & Investment Banking

•

#### CNMV
: Spanish National Securities Market Commission (Comisión Nacional del Mercado de Valores)

•

#### Consumer
: Digital Consumer Bank

•

#### Costs in real terms
: variations in constant euros excluding the effect of average inflation over the last twelve months

•

#### DCBE
: Digital Consumer Bank Europe

•

#### Digital customers
: Every consumer of a commercial bank’s services who has logged on to their personal online banking and/or mobile banking in the last 30 days

•

#### DTAs
: Deferred tax assets

•

#### EPS
: Earnings per share

•

#### ESG
: Environmental, Social and Governance

•

#### ESMA
: European Securities and Markets Authority

•

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

•

#### FX
: Foreign Exchange

•

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

•

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

•

#### LLPs
: Loan-loss provisions

•

#### mn
: Million

•

#### NII
: Net Interest Income

•

#### NPS
: Net Promoter Score

•

#### ODS
: Open Digital Services

•

####