Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 5

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 5
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1 shortfall is covered with CET1). Santander Parent Bank has €72.8bn in Available Distributable Items, c.110 times the full Parent AT1 budgeted for 2025. 4.50% 13.09% 12-13% (operating range) 0.98% 2.50% 1.25% SyRB, 0.06% CCyB, 0.43% 1.83% 1.69% 1.50%2.44% 2.65% 2.40% 13.98% 17.43% >15% Regulatory Requirement 2025 Group ratios Sep-25 2025 target ratios CET1CCoB Pillar 1 AT1 G-SIB/O-SII buffer T2 T2 AT1 Pillar 2 R Sep-25 +345bps +324bps 1 2 +338bps SREP CAPITAL REQUIREMENTS AND MDA* • CET1 ratio of 13.1%, slightly above the top end of our 12-13% operating range for 2025 • The minimum CET1 to be maintained by the Group is 9.72% • As of Sep-25, the distance to the MDA is 324bps4 and the CET1 management buffer is 338bps • Our current estimate for the fully- loaded CET1 ratio is comfortably above our >12% Investor Day target for 2025 year end 3

7 In the EBA Stress Test, Santander had the highest PAT in the baseline scenario and the second highest under the adverse scenario (1) Accumulated profit after tax (3 years) in €mn. FX impact is only applied in the adverse scenario. PROFIT AFTER TAX - BASELINE SCENARIO (€mn) 1 PROFIT AFTER TAX - ADVERSE SCENARIO (€mn) 1 Santander Peer average System 805-2787,848 11,810 10,769 9,439 3,221 692 -98 -6,666 -7,605 -14,320 P2 Santander P4 P1 P6 P5 P7 P8 P3 54,173 39,461 28,692 26,145 26,069 23,086 18,677 16,857 13,562 P1 P2 P3 P4 P5 P6 P7 P8 27,414

8 Santander improved