Banco Santander, S.A.

3. Group selected data

Note: if we include loans, deposits and funds associated with the Poland disposal, as at 31 December 2025 loans and advances to customers would have been EUR 1,076,315 million; customer deposits EUR 1,095,827 million and total funds EUR 1,426,432 million.

For further information, see sections 2.'Significant events in 2025', and 6. 'Alternative performance measures' in this chapter.

Note: net operating income is total income minus operating expenses.

Annual report 2025418

Note: for Argentina and any grouping which includes it, the variations in constant euros have been calculated considering the Argentine peso exchange rate on the last working day for each of the periods presented. For further information, see section 6. 'Alternative performance measures' of this chapter.Certain figures contained in this chapter, have been subject to rounding to enhance their presentation. Accordingly, in certain instances, the sum of the numbers in a column or a row in tables contained in this report may not conform exactly to the total figure given for that column or row.

A. Includes customer deposits, mutual funds, pension funds and managed portfolios.

B. For further information, see section 6. 'Alternative performance measures' of this chapter.

C. In addition to IFRS measures, we present non-IFRS measures including some which we refer to as underlying measures. These non-IFRS measures exclude items outside the ordinary course of business and reclassify certain items under some headings of the underlying income statement as described at the end of section 4.2 'Results' and in section 6. 'Alternative performance measures' of this chapter. In our view, this provides a better year-on-year comparison.

D. Allowances for loan-loss provisions over the last 12 months / Average loans and advances to customers over the last 12 months.

E. Customers, employees and branches include Poland.

F. Those customers who comply with the minimum balance and/or transactionality requirements as defined according to the business area.

G. Every physical or legal person, that, being part of a commercial bank, has logged in to its personal area of internet banking or mobile phone or both in the last 30 days.

H. For 2025 and 2024 data, we have included the CartaSur points of sale and the banking service points in Argentina, while we have excluded operational locations that do not provide customer service in Colombia.

Annual report 2025419