Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000111
Chunk: 24

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 24
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 to March 2025 , gross loans and advances to customers (excluding reverse repos and including Poland), increased 1% in constant euros with the following detail: • In Retail , they increased 1% boosted by individuals, both in mortgages (especially in Portugal and Brazil) and personal loans (mainly driven by strong growth in Spain). • In Consumer , they increased 2% mainly in DCB Europe which more than offset the decrease in the US.

| Gross loans and advances to customers (excl. reverse repos) |
| EUR billion. Including Poland                               |

|                 | -2 | % | 1 |
| Jun-25 / Jun-24 |    |   |   |

1. In constant euros: +1%.

• In CIB , loans fell 1%,mainly due to Brazil. • Loans in Wealth and Payments increased 5% and 2% respectively. Compared to June 2024 , gross loans and advances to customers (excluding reverse repos and including Poland) grew 1% in constant euros, as follows: • In Retail , they decreased 1%, affected by decreases in SMEs (lower volumes in Spain and the UK) and corporates (in line with our focus on profitability in Spain, the run-off of non-core portfolios in the US and macro impacts in Brazil). • In Consumer , they rose 2% boosted by the good performance in auto in DCB Europe and double-digit loan growth across our Latin American countries. • In CIB , they fell 2% as the increase in Global Markets could not compensate the decrease in Global Transaction Banking (mainly in South America). • They increased 13% in Wealth , particularly in Spain and the US, and were up 18% in Payments , driven by strong volumes growth in Cards, especially in Brazil. As of June 2025, gross loans and advances to customers excluding reverse repos and including Poland maintained a diversified mix across our footprint, with presence in different countries in Europe (70% of Group's total loans), Latin America (19%) and in the US (11%).

| Gross loans and advances to customers (excl. reverse repos) |
| % operating areas. June 2025. Including Poland              |

| 18 |     | January- June2025 |

| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |
|                       |     | Balance sheet