Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000033
Chunk: 15

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 15
---
 PBT
: Profit before tax

•

#### pp
: percentage points

•

#### QoQ
: quarter-on-quarter

•

#### P2R
: Pillar 2 requirement

•

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

•

#### PB
: Private Banking

•

#### Retail
: Retail & Commercial Banking

•

#### Repos
: Repurchase agreements

•

#### RoA
: Return on assets

•

#### RoE
: Return on equity

•

#### RoRWA
: Return on risk-weighted assets

•

#### RoTE
: Return on tangible equity

•

#### RWAs
: Risk-weighted assets

•

#### SAM
: Santander Asset Management

•

#### SBNA
: Santander Bank N.A.

•

#### SCIB
: Santander Corporate & Investment Banking

•

#### SC USA
: Santander Consumer USA

•

#### SEC
: Securities and Exchanges Commission

•

#### SHUSA
: Santander Holdings USA, Inc.

•

#### SMEs
: Small and medium enterprises

•

#### TNAV
: Tangible net asset value

•

#### VaR
: Value at Risk

•

#### Wealth
: Wealth Management & Insurance

•

#### YoY
: year-on-year

| 62 |     | January- December2024 |

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

Important information

#### Non-IFRS and alternative performance measures
This report contains financial information prepared according to International Financial Reporting Standards (IFRS) and taken from our consolidated financial statements, as well as alternative performance measures (APMs) as defined in the Guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority (ESMA) on 5 October 2015, and other non-IFRS measures. The APMs and non-IFRS measures were calculated with information from Grupo Santander; however, they are neither defined or detailed in the applicable financial reporting framework nor audited or reviewed by our auditors. We use these APMs and non-IFRS measures when planning, monitoring and evaluating our performance. We consider them to be useful metrics for our management and investors to compare operating performance between periods. APMs we use are presented unless otherwise specified on