Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 4

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 4
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, loans and advances to customers, customer funds and other metrics are presented on an underlying basis and include Santander Bank Polska, in line with previously published quarterly information, i.e. maintaining the same perimeter that existed at the time of the announcement of the sale of 49% stake in Santander Bank Polska to Erste Group (https://www.santander.com/content/dam/santander- com/en/documentos/informacion-privilegiada/2025/05/hr-2025-05-05-santander-announces-the-sale-of-49-per-cent-of-santander-polska-to-erste-group-bank-and-agrees-strategic-cooperation-across-cib-and- payments-en.pdf). For further information, see the 'Alternative performance measures' section of Banco Santander, S.A. (Santander) Q3 2025 Financial Report, published on 29 October 2025 (https://www.santander.com/en/shareholders-and-investors/financial-and-economic-information#quarterly-results).

4 Index 9M'25 Highlights Progress on our strategy 1 Group review 2 Final remarks 3 Appendix 4

5 TNAVps + Cash DPS Record 9M profit, with all global businesses contributing to our 2025 targets 9M’25 att. profitQ3’25 att. profit Efficiency RoTE post-AT1 CoR CET1 Another record quarter resulting in double-digit profit growth in 9M, with 7 million new customers YoY and high activity levels Strong operating performance and profitability on the back of ONE Transformation Solid balance sheet with robust credit quality and organic capital build Capital productivity and disciplined capital allocation are driving double-digit value creation and higher shareholder remuneration YoY Note: YoY changes. In constant euros: Q3’25 attributable profit +11% and 9M’25 attributable profit +16%. CET1 ratio on phased-in basis, i.e. in accordance with the transitory treatment of the CRR. YoY comparison based on published Sep-24 ratio, which was calculated on a fully-loaded basis. Note: TNAVps + Cash DPS includes the €11.00 cent cash dividend per share paid in May 2025 and the €11.50 cent cash dividend per share approved in September 2025 that will be paid from 3 November 2025, both forming part of our shareholder remuneration policy. +15% 41.3% 1.13%