Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 20

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 20
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 €mn 5,952 5,958 6,060 6,248 6,134 6,147 6,145 Group quarterly performance excluding Argentina -4% +0% +1% -0%

32 Appendix 2025 Investor Day targets summary Group P&L QoQ and excluding Argentina CET1 performance YTD Detail by global business and country Reconciliation of underlying results to statutory results Glossary and additional notes

33 CET1 performance YTD CET1 % 2 Note: Dec-24 ratio on a fully-loaded basis (as published in the Q4 2024 Financial Report), excluding the transitory treatment of IFRS 9 and the CRR. Sep-25 on a phased-in basis, calculated in accordance with the transitory treatment of the CRR. Does not include any expected impacts from the recently announced inorganic transactions. Our current ordinary shareholder remuneration policy is to distribute approximately 50% of Group reported profit (excluding non-cash, non-capital ratios impact items), distributed approximately 50% in cash dividend and 50% in share buybacks. Execution of the shareholder remuneration policy is subject to future corporate and regulatory decisions and approvals. (1) Capital distribution including deduction for accrual of shareholder remuneration and AT1 costs. (2) Business RWA change net of risk transfer initiatives. 1 13.1 -0.89 -0.28 -0.16 12.8 +1.63 +0.03 Dec-24 Att. Profit Capital distribution Net organic RWAs Regulatory & Models Markets & others Sep-25

34 Appendix 2025 Investor Day targets summary Group P&L QoQ and excluding Argentina CET1 performance YTD Detail by global business and country Reconciliation of underlying results to statutory results Glossary and additional notes

35 Detail by global business

36 Retail & Commercial Banking Note: Sep-25 data and YoY changes (loans, deposits and mutual funds in constant euros). HIGHLIGHTSKEY DATA P&L Loans €597bn -0% Mutual funds €112bn +19% Efficiency 39.2% +0.2pp CoR 0.89% -9bps Deposits €647bn +4% Underlying P&L* Q3'25 % Q2'25 9M'25 % 9M'24 % 9M'24¹ NII 6,431 -2.5 19,770 -1.0 -5