Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 14

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 14
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 Economic and financial review |     | Riskmanagement and compliance |

#### SUSTAINABILITY AT SANTANDER IN 2024
10 highlights

Our activity helps people and businesses prosper and contributes to address global challenges

| 1  |     | EUR 350.5 billionto help people buy homes, enabling 3.7 million families to access housing.EUR 214.2 billionto purchase other goods.A                                                                                                     |
| 2  |     | EUR 330 billionto help set up or grow companies (including more than 530 thousand SMEs and self-employed).B                                                                                                                               |
| 3  |     | 206,753employees.EUR 14.3 billion paid in wages and benefits.                                                                                                                                                                             |
| 4  |     | EUR 11.6 billionpaid to suppliers. 89% are local and account for 88% of total procurement turnover.                                                                                                                                       |
| 5  |     | EUR 10.9 billionin taxes paid by the Group andEUR 11.5 billionin third party taxes channelled to tax authorities.                                                                                                                         |
| 6  |     | EUR 139 billionin green Finance raised and facilitated since 2019, reaching ourEUR 120 billiontarget 18 months early and maintaining our leadership position in the financing of renewable energy projects.                               |
| 7  |     | Additionally,our credit stock in green mortgages and auto(EU taxonomy aligned)grew 27% year over year,supporting the alignment of our portfolios.                                                                                         |
| 8  |     | We continue to make progress towards our target ofEUR 100 billionof assets under management in SRI (Socially Responsible Investment), reachingEUR 89 billionin 2024.                                                                      |
| 9  |     | 4.3 millionpeople financially included since 2023, getting closer to our 5 million target until 2025. Our microfinance propositions in Latin America reached1.3 millionunderbanked entrepreneurs withEUR 1.27 billionin credit disbursed. |
| 10 |     | EUR 166 millionin community support, includingEUR104 millionto promote higher education, employability and entrepreneurship.                                                                                                              |

A. Credit stock and mortgage holdings as at 31 December 2024.

B. Credit stock as at 31 December 2024. Data for Small and Medium Enterprises (SMEs) and the self-employed covers individual customers with an outstanding loan at 2024 year end.