Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 17

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 17
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% 1.14% 1.13% +5%

23 13.1 -0.30 -0.08 -0.02 -0.05 13.0 +0.56 Jun-25 Att. Profit Capital distribution Net organic RWAs Regulatory & Models Markets & others Sep-25 Strong organic capital generation, with profitable front-book growth at 22% RoTE CET1 % Sep-25 or estimates Front book pricing RoRWA of new book Asset rotation and risk transfer activities RWAs mobilized vs. credit RWAs % RWAs with RoRWA > CoE CET1 PERFORMANCE AND CAPITAL PRODUCTIVITY MAXIMIZE CAPITAL PRODUCTIVITY 2 Note: phased-in ratios are 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. 2.8% 20% 88% 1

24 Index 9M'25 Highlights Progress on our strategy 1 Group review 2 Final remarks 3 Appendix 4

25 Another record quarter that makes us confident that we will achieve our 2025 targets Fees Cost base CoR CET11 RoTE post-AT1 TNAVps + Cash DPS 2025 targets Mid-high single digit growth Down vs. 2024 in euros c.1.15% 13% operating range: 12-13% c.16.5% Double-digit growth through-the-cycle c.€62bnRevenue Note: targets market dependent. Based on macro assumptions aligned with international economic institutions. TNAVps + Cash DPS includes the €11.00 cent cash dividend per share paid in May 2025 and the €11.50 cent cash dividend per share approved in September 2025 that will be paid from 3 November 2025, both forming part of our shareholder remuneration policy. (1) CET1 ratio is phased-in, calculated in accordance with the transitory treatment of the CRR. Revenue and costs on track on the back of our consistent execution of