Company: BCDRF
Filing Date: 2025-03-03
Form Type: 6-K
Source: 0000891478-25-000057
Chunk: 189

Company: Banco Santander, S.A.
Filing Date: 2025-03-03
Form: 6-K
Chunk 189
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 |     | Coefficient |
| ≥ 39.5%                          |     |        1.25 |
| ≥ 39.2% but < 39.5%              |     |   1 – 1.25A |
| ≥ 38.4% but < 39.2%              |     |      0 – 1A |
| < 38.4%                          |     |           0 |

A. Increase of the coefficient is proportional to its position on this line of the scale. B. Executive positions make up 14% of the total workforce. • Average annual total number of people that received financial inclusion support in the period 2025 and 2027

| Financial inclusionB(million) |     | Coefficient |
| ≥ 6                           |     |        1.25 |
| ≥ 4.5 but < 6                 |     |   1 – 1.25A |
| ≥ 3.5 but < 4.5               |     |      0 – 1A |
| < 3.5                         |     |           0 |

A. Increase of the coefficient is proportional to its position on this line of the scale. B. Number of people unbanked, underbanked, in financial distress or with difficulty to access credit to whom we provide tailored access and finance solutions, aiming to meet local financial inclusion needs in a recurrent, comprehensive, affordable and effective way. Financial Inclusion thresholds have shifted from accumulative to annual average because it reflects better the performance of these programs. This information can be found in the '6.4 Directors' remuneration policy for 2025, 2026 and 2027' section in the annual report.

| Access 2024 annual report available on the Santander Group website |

10.2.3. Risk management This section covers the requirement on qualitative information on social risk, specifically, the point on risk management, for question (h) International standards on which the social risk management framework is based Our social risk management framework draws up on international industry guidelines and principles. Thus, the four policies covered previously on “Policies and procedures to manage social risks”, have been established in accordance with international standards: • The responsible banking and sustainability policy is based on standards such as the agreements reached at the 2015 COP21 summit on climate change in Paris, or the UNESCO World Heritage list, the 2011 United Nations Guiding Principles on Business and Human