Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 28

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 28
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 share) and final cash dividend paid in May (EUR 11.00 cents per share), both charged against 2024 results, TNAV plus cash dividend per share increased 15.6% in the last twelve months (+2.7% in the quarter). Lastly, the leverage ratio was 4.91%.

| Eligible capital. June 2025 |     |         |           |
| EUR million                 |     |         |           |
|                             |     |         | Phased-in |
| CET1                        |     |  81,250 |           |
| Basic capital               |     |  90,828 |           |
| Eligible capital            |     | 107,733 |           |
| Risk-weighted assets        |     | 625,750 |           |
|                             |     |         | %         |
| CET1 capital ratio          |     |    13.0 |           |
| Tier 1 capital ratio        |     |    14.5 |           |
| Total capital ratio         |     |    17.2 |           |

| CET1 ratio performance |
| %                      |

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.

1. 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.

2. Business RWA change net of risk transfer initiatives.

#### 20January- June2025
| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |
|                       |     | Risk management             |     |                                  |     |                      |     |          |     |       |

### Risk management
| Credit risk                                                                              |     |                   |     |                    |     | Market risk                                                                                                                                                                                      |     |                |     |                       |
| Credit quality indicators remained contained, within expected levels.                    |     |                   |     |                    |     | Average VaR decreased in a slightly less volatile environment, given the expectations of trade negotiations with the US.                                                                         |     |                |     |                       |
| Cost