Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000132
Chunk: 50

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 50
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 data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |

| CIB                                                                                                                                                                                                                                                                                                                       |     | Underlying attributable profit |     | EUR 2,168 mn |
| →Our enhanced centres of expertise and Global Markets and US Banking Build-Out (US BBO) initiatives are helping toimprove client penetration, reflected in the types of deals we are participating in and the roles we are currently winning.                                                                             
 →Strong activity year-on-year, with Global Markets and Global Banking driving growth on the back of market volatility in the first half of the year and transformation initiatives. Good performances across regions and products, benefitting from our diversified global model.                                         
 →Attributable profit reached EUR 2,168 million, a 6% increase year-on-year (+10% in constant euros),driven by a good revenue performance, (+6% in constant euros), supported by strong NII and by net fee income, which rose across all business lines. We maintained a leading position in efficiency and profitability. |     |                                |     |              |

Strategy

Our Corporate & Investment Banking (CIB) business is a global franchise that is well diversified by business line, country and client type, which helps reduce the potential impacts from risks in any specific market or sector and better support our clients. This is especially important in the current environment, characterized by geopolitical tensions and market volatility, which enables us to continue delivering sustainable and profitable growth.

In 2025, we keep progressing in our core initiatives in Global Markets (GM) and Global Banking (GB) to deliver an enhanced value proposition and drive profitable growth by:

•

#### Fully leveraging our

#### centres of expertise
and expanded coverage to strengthen our positioning in our core markets, fostering collaboration between our businesses to increase connectivity and gain market share in the new areas we have invested in.

This is driving significant growth, particularly in our institutional franchise in Global Markets. A good example is our US CMO (collateralized mortgage obligations) desk, which achieved a 10% market share in July 2025.

• Continuing to advance in the execution of our automation and digitalization initiatives , while exploring tangible opportunities afforded by AI, both for business and support functions, to increase productivity, improve efficiency and enhance controls, such as the significant operational risk reduction due to AI-revised reconciliations or automated tasks on pre- and post-trade services.

•

#### Deepening our client relationships
by