Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000132
Chunk: 46

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 46
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2025, reflecting our focus on digital acquisition and a more attractive product offering; and iii) in Germany, we have been delivering a secure, seamless and mobile-first experience since going live in January and we are now expanding our digital product offering. A good example of this is the recent launch of a broker platform supported by AI-enhanced tools.

| Consumer. Total customers |
| Millions                  |

| +4% |

| 36 |     | January- September2025 |

| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |

Business performance

Gross loans and advances to customers, excluding reverse repos and in constant euros, rose 2% year-on-year, supported by auto (+4%), which saw continuous growth in Europe, in a market which has picked up from a weak start at the beginning of the year, and double-digit increases across Latin America. The new lending performance (-9% year-on-year in constant euros) continues to reflect our strategy to prioritize profitability over volumes as we remain prudent in terms of originations in an environment marked by volatility and geopolitical uncertainty. Our EUR 14.2 billion leasing portfolio decreased 12% year-on-year in constant euros, as growth in Europe was more than offset by a decrease in the US, due to the wind down of business through our relationship with Stellantis, lower demand for electric vehicles and our strategy to prioritize profitability over growth. In terms of liabilities, our access to wholesale funding markets remained strong and diversified. Customer deposits, excluding repos and in constant euros, grew 5% year-on-year (+10% in the US and +2% in Europe), reflecting our focus on deposit gathering, supported by Openbank. They now account for 60% of Consumer's total funding (1.7 pp more than a year ago). Including mutual funds, customer funds increased 6% in constant euros.

| Consumer. Business.September 2025              |     |     |     |     |     |     |     |     |
| EUR billion and YoY % change in constant euros |     |     |     |     |     |     |     |     |
|                                                |     | 211 |     | +2% |     | 136 |     | +6% |

| DCB Europe |
| DCB US     |

| DCB Europe |
| DCB US     |

| Gross loans and advances