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5777000000 1029000000 -817000000 45633000000 7039000000 -2607000000 665000000 2400000000 1117000000 6273000000 -563000000 9621000000 4247000000 2844000000 3202000000 684000000 812000000 260000000 46000000 3318000000 187000000 2515000000 0 0 0 15894000000 3684000000 2935000000 2927000000 0 0 175000000 275000000 5270000000 53000000 7514000000 429000000 0 0 -5757000000 -8058000000 9500000000 8936000000 1800000000 1643000000 2345000000 4084000000 0 0 4640000000 2021000000 715000000 1188000000 3743000000 878000000 2682000000 306000000 0 0 944000000 542000000 117000000 30000000 1955000000 -8185000000 -16788000000 -14202000000 154796000000 192208000000 138008000000 178006000000 6579000000 6807000000 119102000000 158978000000 12327000000 9770000000 0 0 138008000000 175555000000 0 0 0 2451000000 Introduction, basis of presentation of the interim condensed consolidated financial statements and other information<div style="margin-bottom:9pt;margin-top:12pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">a)    Introduction</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Banco Santander, S.A. ('the parent' or 'Banco Santander') is a private-law entity subject to the rules and regulations applicable to banks operating in Spain. The Bylaws and other public information of the Bank can be consulted at its registered office at Paseo de Pereda 9 -12, Santander.</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In addition to the operations carried on directly by it, Banco Santander is the head of a group of subsidiaries that engage in various business activities and which compose, together with it, Grupo Santander ('Santander' or 'The Group'). </span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Grupo Santander's interim condensed consolidated financial statements ('interim financial statements') for the six-month period ended 30 June 2026 were authorised and approved by Grupo Santander's directors at the board of directors meeting held on 21 July 2026. Grupo Santander's consolidated annual accounts for year 2025 were approved by shareholders at Banco Santander annual general meeting on 27 March 2026.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">b)    Basis of presentation of the interim financial statements</span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Under Regulation (EC) n.º 1606/2002 of the European Parliament and of the Council of 19 July 2002 all companies governed by the law of an EU Member State and whose securities are admitted to trading on a regulated market of any Member State must prepare their consolidated financial statements for the years beginning on or after 1 January, 2005 in conformity with the International Financial Reporting Standards ('IFRS') previously adopted by the European Union ('EU-IFRS'). In order to adapt the accounting system of Spanish credit institutions with the principles and criteria established by the IFRS adopted by the European Union ('EU-IFRS'), the Bank of Spain published circular 4/2017, dated 27 November 2017, and subsequent changes, on Public and Confidential Financial Reporting Standards and Financial Statement Formats.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The consolidated annual accounts for 2025 were authorised at the board of directors meeting on 24 February 2026 in compliance with International Financial Reporting Standards as adopted by the European Union, taking into account Bank of Spain Circular 4/2017, and subsequent modifications, using the basis of consolidation, accounting policies and measurement bases described in Note 2 to the aforementioned consolidated annual accounts and, accordingly, they presented fairly Grupo Santander’s consolidated equity and consolidated financial position at 31 December 2025 and the consolidated results of its operations, and the consolidated cash flows in 2025. The aforementioned consolidated annual accounts, which were updated taking into account the changes described later in this section and in Note 12, are included in Grupo Santander’s Form 6-K filed with the U.S. Securities and Exchange Commission on 1 April 2026, and these interim financial statements are also in compliance with International Financial Reporting Standards as issued by the International Accounting Standards Board ('IFRS-IASB', and together with EU-IFRS, 'IFRS').</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">These interim financial statements were prepared and are presented in accordance with International Accounting Standard (IAS 34), Interim Financial Reporting, for the preparation of interim financial statements in accordance with the provisions of article 12 of Royal Decree 1362/2007 taking into account the requirements of Circular 3/2018, of June 28, of the Securities and Exchange Commission (CNMV). These interim financial statements will be included in the Half-Yearly Financial Information corresponding to the first half of 2026 that the Group presents in accordance with the aforementioned Circular 3/2018.</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In accordance with IAS 34, the interim financial statements are intended only to provide an update on the content of the latest consolidated annual accounts authorised for issue, focusing on new activities, events and circumstances occurring during the first six months, and does not duplicate information previously reported in the latest consolidated annual accounts. Consequently, these interim financial statements do not include all the information that would be required for a complete set of consolidated annual accounts prepared in accordance with IFRS and, accordingly, for a proper comprehension of the information included in these interim financial statements, they should be read together with Grupo Santander’s consolidated annual accounts for the year ended 31 December 2025, which are included in Grupo Santander’s Form 6-K filed with the U.S. Securities and Exchange Commission on 1 April 2026.</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Grupo Santander policies include presenting the interim financial statements for its use in the different markets using the Euro as its presentation currency. The amounts held in other currencies and the balances of entities whose functional currency is not the Euro, have been translated to the presentation currency in accordance with the criteria indicated in Note 2.a to the consolidated annual accounts for 2025. As indicated in that note, for practical reasons, the balance sheet amounts has been converted to the closing exchange rate, the equity to the historical type, and the income and expenses have been converted by applying the average exchange rate of the period; the application of such exchange rate or that corresponding to the date of each transaction does not lead to significant differences in the interim financial statements of Grupo Santander.</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The accounting policies and methods used in preparing these interim financial statements are the same as those applied in the consolidated annual accounts for 2025 including the following accounting standards with an effective application date 1 January 2026, which are detailed below:</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#14868d;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%;padding-left:9.98pt">Amendments to IFRS 9 Financial Instruments and IFRS 7 Financial Instruments: Disclosures: (i) amendments to classification and measurement requirements related to the assessment of contractual cash flows of certain financial assets (with ESG characteristics, non-recourse or contractually linked); (ii) an accounting policy option for the derecognition of financial liabilities settled through an electronic payment system is included; (iii) the disclosure requirements related to equity instruments designated at fair value through other comprehensive income are amended; (iv) disclosure requirements are included for financial instruments with contingent characteristics that may modify their contractual cash flows.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Amendments to IFRS 9 and IFRS 7 - Nature-dependent electricity contracts for electricity contracts dependent on energy sources and susceptible to variations due to uncontrollable factors, such as weather conditions, this modification: (i) clarifies the application of the 'own use' requirements; (ii) allows hedge accounting if these contracts were used as hedging instruments; and, (iii) adds new filing requirements for greater clarity on the impact of these contracts.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Amendments to IFRS Improvement Cycle: introduces minor amendments, effective from 1 January 2026, to the following standards:</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS 1 First-time Adoption of International Financial Reporting Standards, for hedge accounting in first adoption.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS 7 Financial Instruments: Disclosures: updated references and alignment with IFRS 13, as well as clarifications in the Implementation Guidance.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS 9 Financial Instruments: amendment to apply derecognition criteria to lease liabilities recorded by the lessee and replacement of the term 'transaction price' with 'the amount determined in accordance with IFRS 15'.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS10 Consolidated Financial Statements: Determining a 'de facto agent'.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IAS 7 Statement of Cashflows: replacing the term 'cost method' with 'cost'.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The aforementioned accounting standards and modifications have not had a significant effect on Grupo Santander’s financial statements. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">All accounting policies and measurement bases with a material effect on the interim financial statements for 30 June 2026 were applied in their preparation. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In addition, the Group has implemented a change in the presentation of certain charges in the consolidated income statement. As from the current period, such charges—mainly levies and other expenses—are reported under “Other operating expenses” rather than under “Other provisions”.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">During the first half of 2026, the Group continued working on the implementation project of IFRS 18, "Presentation and Disclosure in Financial Statements", which will come into effect on 1 January 2027. With the information analyzed up to the authorization of these interim financial statements, no significant impacts arising from its adoption have been identified.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">By the time of the preparation of these interim financial statements, there are no standards pending adoption by the European Union for the current exercise by the IASB with an effective date of 1 January 2026.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">c)     Use of critical estimates </span></div><div style="margin-bottom:9pt;padding-left:34.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The consolidated results and the determination of the consolidated equity are sensitive to the accounting principles and policies, valuation criteria and estimates used by the directors of Banco Santander in preparing the interim financial statements. The main accounting principles, policies, and valuation criteria are indicated in Note 2 of the consolidated annual accounts of the year 2025, except for those indicated in these interim financial statements due to the accounting standards and modifications that have come into effect during the first six months of the year 2026.</span></div><div style="margin-bottom:9pt;padding-left:34.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The interim financial statements contain estimates made by the senior management of Banco Santander and of the consolidated entities in order to quantify certain of the assets, liabilities, income, expenses and obligations reported in the consolidated entities. These estimates, which were made on the basis of the best information available, relate mainly to the following:</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The income tax expense, which is recognised in interim periods based on the best estimate of the weighted average tax rate expected by Grupo Santander for the full financial year; </span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The impairment losses on certain assets – financial assets at fair value through other comprehensive income, financial assets at amortised cost, non-current assets held for sale, investments in subsidiaries, joint ventures and associates, tangible assets and intangible assets;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The assumptions used in the calculation of the post-employment benefit liabilities and commitments and other obligations;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The useful life of the tangible and intangible assets;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The measurement of goodwill impairment arising on consolidation; </span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The calculation of provisions and the consideration of contingent liabilities;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The fair value of certain unquoted assets and liabilities; </span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The recoverability of deferred tax assets;</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The fair value of the identifiable assets acquired and the liabilities assumed in business combinations in accordance with IFRS 3; and</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The measurement of assets under reinsurance contracts and liabilities under insurance contracts.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">To update the previous estimates, the Group's management has considered the current macroeconomic scenario, characterized by an uncertain geopolitical environment and its impact on economic activity and inflation, as well as the evolution of monetary and fiscal policies in major economies. The analysis also considers developments of interest rates, credit spreads, and currency movements, along with labor market trends in the geographies in which the Group operates. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In this context, the Group's management has evaluated the main uncertainties caused by the current environment, in particular, in relation to credit risk, maintaining active oversight of clients in geographies and sectors more exposed to international trade tensions, global geopolitical uncertainty and the impact of public debt containment policies or fiscal stimulus measures, liquidity and market risks. All of the above, taking into account the best available information, to estimate the impact on the credit portfolio's impairment provision, and in the debt instruments' interest rates and valuation.</span></div><div style="margin-bottom:9pt;margin-top:3pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">During the six-month period ended on 30 June 2026, there were no additional significant changes to the estimates made at the end of the 2025 financial year, other than those indicated in these interim financial statements. </span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">d)    Contingent assets and liabilities </span></div><div style="margin-bottom:9pt;padding-left:35.15pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Note 25 to Grupo Santander's consolidated annual accounts for the year ended 31 December 2025 includes information on the contingent assets and liabilities at that date. There were no significant changes in Grupo Santander's contingent assets and liabilities from 31 December 2025 to the date of formal preparation of these interim financial statements.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">e)   Comparative information</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The information contained in the interim income statement for the first six months of 2025 has been modified as a result of the retrospective application of the change in the presentation of certain charges in the amount of EUR 238 million, mainly levies and other expenses, of which EUR 204 million have been reclassified from the line item 'Other provisions' to the line item 'Other operating expenses' (see Note 1.b).</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Likewise, the information in Note 12 related to segment information for June 2025 has been restated, in accordance with the changes in the segments' composition of Grupo Santander, as required by IFRS 8 (see Note 12).</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In order to interpret the changes in the balances with respect to 31 December 2025, it is necessary to take into consideration the exchange rate effect arising from the volume of foreign currency balances held by the Group in view of its geographic diversity (Note 51.b to the consolidated annual accounts for the annual year ended 31 December 2025) and the impact of the appreciation/depreciation of the various currencies against the euro in the first six months of 2026: Mexican peso (5.81%), US dollar (2.88%), Brazilian real (9.18%), Argentinian peso (0.80%), Pound sterling (1.39%) and Chilean peso (0.63%); as well as the evolution of the average exchange rates between comparable periods: Mexican peso (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:118%">7.02%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">), US dollar (-5.45%), Brazilian real (5.09%), Pound sterling (-2.47%) and Chilean peso (1.11%).</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">f)     Seasonality of the Grupo Santander’s transactions</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The business activities carried on by Grupo Santander entities, and their transactions are not cyclical or seasonal in nature. Therefore, no specific disclosures are included in these explanatory notes to the interim financial statements for the six-month period ended 30 June 2026.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">g)    Materiality</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In determining the note disclosures to be made on the various items in the interim financial statements or other matters, Grupo Santander, in accordance with IAS 34, took into account their materiality in relation to the interim financial statements for the six-month period ended 30 June 2026.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">h)    Events after the reporting period</span></div><div style="padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">From 1 July to the date of authorization of these interim financial statements for the six months of 2026, no significant events other than those indicated therein have occurred.</span></div> Basis of presentation of the interim financial statements<div style="margin-bottom:6pt;margin-top:6pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Under Regulation (EC) n.º 1606/2002 of the European Parliament and of the Council of 19 July 2002 all companies governed by the law of an EU Member State and whose securities are admitted to trading on a regulated market of any Member State must prepare their consolidated financial statements for the years beginning on or after 1 January, 2005 in conformity with the International Financial Reporting Standards ('IFRS') previously adopted by the European Union ('EU-IFRS'). In order to adapt the accounting system of Spanish credit institutions with the principles and criteria established by the IFRS adopted by the European Union ('EU-IFRS'), the Bank of Spain published circular 4/2017, dated 27 November 2017, and subsequent changes, on Public and Confidential Financial Reporting Standards and Financial Statement Formats.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The consolidated annual accounts for 2025 were authorised at the board of directors meeting on 24 February 2026 in compliance with International Financial Reporting Standards as adopted by the European Union, taking into account Bank of Spain Circular 4/2017, and subsequent modifications, using the basis of consolidation, accounting policies and measurement bases described in Note 2 to the aforementioned consolidated annual accounts and, accordingly, they presented fairly Grupo Santander’s consolidated equity and consolidated financial position at 31 December 2025 and the consolidated results of its operations, and the consolidated cash flows in 2025. The aforementioned consolidated annual accounts, which were updated taking into account the changes described later in this section and in Note 12, are included in Grupo Santander’s Form 6-K filed with the U.S. Securities and Exchange Commission on 1 April 2026, and these interim financial statements are also in compliance with International Financial Reporting Standards as issued by the International Accounting Standards Board ('IFRS-IASB', and together with EU-IFRS, 'IFRS').</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">These interim financial statements were prepared and are presented in accordance with International Accounting Standard (IAS 34), Interim Financial Reporting, for the preparation of interim financial statements in accordance with the provisions of article 12 of Royal Decree 1362/2007 taking into account the requirements of Circular 3/2018, of June 28, of the Securities and Exchange Commission (CNMV). These interim financial statements will be included in the Half-Yearly Financial Information corresponding to the first half of 2026 that the Group presents in accordance with the aforementioned Circular 3/2018.</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In accordance with IAS 34, the interim financial statements are intended only to provide an update on the content of the latest consolidated annual accounts authorised for issue, focusing on new activities, events and circumstances occurring during the first six months, and does not duplicate information previously reported in the latest consolidated annual accounts. Consequently, these interim financial statements do not include all the information that would be required for a complete set of consolidated annual accounts prepared in accordance with IFRS and, accordingly, for a proper comprehension of the information included in these interim financial statements, they should be read together with Grupo Santander’s consolidated annual accounts for the year ended 31 December 2025, which are included in Grupo Santander’s Form 6-K filed with the U.S. Securities and Exchange Commission on 1 April 2026.</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Grupo Santander policies include presenting the interim financial statements for its use in the different markets using the Euro as its presentation currency. The amounts held in other currencies and the balances of entities whose functional currency is not the Euro, have been translated to the presentation currency in accordance with the criteria indicated in Note 2.a to the consolidated annual accounts for 2025. As indicated in that note, for practical reasons, the balance sheet amounts has been converted to the closing exchange rate, the equity to the historical type, and the income and expenses have been converted by applying the average exchange rate of the period; the application of such exchange rate or that corresponding to the date of each transaction does not lead to significant differences in the interim financial statements of Grupo Santander.</span></div><div style="margin-bottom:9pt;padding-left:34.87pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The accounting policies and methods used in preparing these interim financial statements are the same as those applied in the consolidated annual accounts for 2025 including the following accounting standards with an effective application date 1 January 2026, which are detailed below:</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#14868d;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:120%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%;padding-left:9.98pt">Amendments to IFRS 9 Financial Instruments and IFRS 7 Financial Instruments: Disclosures: (i) amendments to classification and measurement requirements related to the assessment of contractual cash flows of certain financial assets (with ESG characteristics, non-recourse or contractually linked); (ii) an accounting policy option for the derecognition of financial liabilities settled through an electronic payment system is included; (iii) the disclosure requirements related to equity instruments designated at fair value through other comprehensive income are amended; (iv) disclosure requirements are included for financial instruments with contingent characteristics that may modify their contractual cash flows.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Amendments to IFRS 9 and IFRS 7 - Nature-dependent electricity contracts for electricity contracts dependent on energy sources and susceptible to variations due to uncontrollable factors, such as weather conditions, this modification: (i) clarifies the application of the 'own use' requirements; (ii) allows hedge accounting if these contracts were used as hedging instruments; and, (iii) adds new filing requirements for greater clarity on the impact of these contracts.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Amendments to IFRS Improvement Cycle: introduces minor amendments, effective from 1 January 2026, to the following standards:</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS 1 First-time Adoption of International Financial Reporting Standards, for hedge accounting in first adoption.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS 7 Financial Instruments: Disclosures: updated references and alignment with IFRS 13, as well as clarifications in the Implementation Guidance.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS 9 Financial Instruments: amendment to apply derecognition criteria to lease liabilities recorded by the lessee and replacement of the term 'transaction price' with 'the amount determined in accordance with IFRS 15'.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IFRS10 Consolidated Financial Statements: Determining a 'de facto agent'.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">IAS 7 Statement of Cashflows: replacing the term 'cost method' with 'cost'.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The aforementioned accounting standards and modifications have not had a significant effect on Grupo Santander’s financial statements. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">All accounting policies and measurement bases with a material effect on the interim financial statements for 30 June 2026 were applied in their preparation. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In addition, the Group has implemented a change in the presentation of certain charges in the consolidated income statement. As from the current period, such charges—mainly levies and other expenses—are reported under “Other operating expenses” rather than under “Other provisions”.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">During the first half of 2026, the Group continued working on the implementation project of IFRS 18, "Presentation and Disclosure in Financial Statements", which will come into effect on 1 January 2027. With the information analyzed up to the authorization of these interim financial statements, no significant impacts arising from its adoption have been identified.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">By the time of the preparation of these interim financial statements, there are no standards pending adoption by the European Union for the current exercise by the IASB with an effective date of 1 January 2026.</span></div> Use of critical estimates <div style="margin-bottom:9pt;padding-left:34.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The consolidated results and the determination of the consolidated equity are sensitive to the accounting principles and policies, valuation criteria and estimates used by the directors of Banco Santander in preparing the interim financial statements. The main accounting principles, policies, and valuation criteria are indicated in Note 2 of the consolidated annual accounts of the year 2025, except for those indicated in these interim financial statements due to the accounting standards and modifications that have come into effect during the first six months of the year 2026.</span></div><div style="margin-bottom:9pt;padding-left:34.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The interim financial statements contain estimates made by the senior management of Banco Santander and of the consolidated entities in order to quantify certain of the assets, liabilities, income, expenses and obligations reported in the consolidated entities. These estimates, which were made on the basis of the best information available, relate mainly to the following:</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The income tax expense, which is recognised in interim periods based on the best estimate of the weighted average tax rate expected by Grupo Santander for the full financial year; </span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The impairment losses on certain assets – financial assets at fair value through other comprehensive income, financial assets at amortised cost, non-current assets held for sale, investments in subsidiaries, joint ventures and associates, tangible assets and intangible assets;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The assumptions used in the calculation of the post-employment benefit liabilities and commitments and other obligations;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The useful life of the tangible and intangible assets;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The measurement of goodwill impairment arising on consolidation; </span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The calculation of provisions and the consideration of contingent liabilities;</span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The fair value of certain unquoted assets and liabilities; </span></div><div style="margin-bottom:6pt;margin-top:3pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The recoverability of deferred tax assets;</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The fair value of the identifiable assets acquired and the liabilities assumed in business combinations in accordance with IFRS 3; and</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">The measurement of assets under reinsurance contracts and liabilities under insurance contracts.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">To update the previous estimates, the Group's management has considered the current macroeconomic scenario, characterized by an uncertain geopolitical environment and its impact on economic activity and inflation, as well as the evolution of monetary and fiscal policies in major economies. The analysis also considers developments of interest rates, credit spreads, and currency movements, along with labor market trends in the geographies in which the Group operates. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In this context, the Group's management has evaluated the main uncertainties caused by the current environment, in particular, in relation to credit risk, maintaining active oversight of clients in geographies and sectors more exposed to international trade tensions, global geopolitical uncertainty and the impact of public debt containment policies or fiscal stimulus measures, liquidity and market risks. All of the above, taking into account the best available information, to estimate the impact on the credit portfolio's impairment provision, and in the debt instruments' interest rates and valuation.</span></div>During the six-month period ended on 30 June 2026, there were no additional significant changes to the estimates made at the end of the 2025 financial year, other than those indicated in these interim financial statements. Contingent assets and liabilities <div style="margin-bottom:9pt;padding-left:35.15pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Note 25 to Grupo Santander's consolidated annual accounts for the year ended 31 December 2025 includes information on the contingent assets and liabilities at that date. There were no significant changes in Grupo Santander's contingent assets and liabilities from 31 December 2025 to the date of formal preparation of these interim financial statements.</span></div> 238000000 -204000000 204000000 0.0581 0.0288 0.0918 0.0080 0.0139 0.0063 0.0702 -0.0545 0.0509 -0.0247 0.0111 Grupo Santander<div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Appendices I, II and III to the consolidated annual accounts for the year ended 31 December 2025 provide relevant information on Grupo Santander companies at that date and on the companies accounted for under the equity method.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Also, Note 3 to the aforementioned consolidated annual accounts includes a description of the most significant acquisitions and disposals of companies performed by Grupo Santander in 2025, 2024 and 2023.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The most significant transactions carried out during the first six months of 2026 or pending execution at 30 June 2026 are described below: </span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">Agreement for the acquisition of Webster Financial Corporation</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 3 February 2026, Banco Santander announced that it had reached an agreement to acquire Webster, the parent company of Webster Bank, N.A., for approximately USD 12,200 million (around EUR 10,300 million). Webster shareholders will receive USD 48.75 in cash and 2.0548 Santander shares for each Webster share, resulting in a total consideration of USD 75 per Webster share. Completion of the transaction is expected to take place in the second half of 2026.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">Agreement for the sale of 49% of Santander Bank Polska S.A and accelerated placement of ordinary shares </span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 9 January 2026, Banco Santander announced an agreement to sell the 49% of the share capital of Santander Bank Polska S.A. (Santander Bank Polska) to Erste Group Bank AG at a price of 584 zlotys per share, as well as the 50% of Santander Towarzystwo Funduszy Inwestycyjnych S.A. (TFI, the asset management business in Poland) owned directly by Banco Santander, S.A., for a total amount of EUR 7,035 million. </span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following these transactions and the accelerated placement of ordinary shares announced on 2 December 2025, representing approximately 3.5% of its share capital, Banco Santander holds 9.7% of Santander Bank Polska's share capital (58.7% as of 31 December 2025).</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The remaining share capital has been classified under the heading 'Financial assets at fair value through other comprehensive income - Equity instruments', initially recognised at the loss of control-date fair value, amounting to EUR 1,310 million.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The profit (loss) for the year from discontinued operations as at 30 June 2026 amounts to EUR 1,895 million, entirely attributable to the net gain on disposal after deducing related costs. As the transaction was completed in the first days of the fiscal year, no significant operating results were recognised during the period. </span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The main additional accounting effects arising from the transaction have been as follows:</span></div><div style="margin-bottom:5pt;padding-left:72pt;text-align:justify;text-indent:-17.86pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.37pt">Disposal of assets and liabilities previously classified as held for sale amounted to EUR 9,098 million.</span></div><div style="margin-bottom:5pt;padding-left:72pt;text-align:justify;text-indent:-17.86pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.37pt">Disposal of non-controlling interests amounted to EUR 3,274 million.</span></div><div style="margin-bottom:9pt;padding-left:72pt;text-align:justify;text-indent:-17.86pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.37pt">Reclassification to accumulated losses through other comprehensive income, mainly due to foreign currency balance translation differences amounted to EUR 697 million.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Additionally, as part of this transaction, on 23 December 2025, Santander Consumer, S.A. acquired 60% of Santander Consumer Bank Polska, which was owned by Santander Bank Polska, for PLN 3,105 million (EUR 726 million). This transaction had no significant impact on the Group´s consolidated financial statements.</span></div><div style="padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">Agreement for the acquisition of TSB Banking Group Limited</span></div><div style="padding-left:18pt;text-align:justify"><span><br/></span></div><div style="padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">As of 30 April 2026, following the receipt of the relevant regulatory approvals and the satisfaction of the conditions to which the transaction was subject, Banco Santander completed the acquisition of 100% of TSB Banking Group Limited ('TSB') from Banco de Sabadell, for a cash consideration of GBP 2,867 million (EUR 3,318 million). TSB is a retail banking franchise in the United Kingdom, operating primarily in the personal and small business banking segments, and it will be integrated into Santander UK.</span></div><div style="padding-left:18pt;text-align:justify"><span><br/></span></div><div style="padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">For the purposes of the Group’s consolidated financial statements, the business combination has been accounted for using the acquisition method under IFRS 3, and since the acquisition date TSB has been fully consolidated in the Group’s consolidated financial statements.</span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In accordance with IFRS 3, the Group has measured the identifiable assets acquired and liabilities assumed at fair value. Such fair values are provisional and may be finalized within the one-year measurement period permitted under the standard. In this regard, the valuations performed by the Group represent the best estimates available as of the date of authorization of these Interim Financial Statements and are therefore provisional in nature and should not be considered final. Nevertheless, the Group does not expect significant changes to these amounts before the expiry of the measurement period available to finalize the valuation. The detail of the provisional fair values of the identifiable assets acquired and liabilities assumed at the acquisition date is set out below:</span></div><div style="padding-left:18pt;text-align:justify"><span><br/></span></div><div style="padding-left:18pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:83.663%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.137%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 April 2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">EUR Million</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances with central banks</span></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,270</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #3c3c3c;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,953</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits with credit institutions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans to customers</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,583</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets (*)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">427</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">205</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,347</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances with central banks</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">689</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">614</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans from customers</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,483</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue and other financial liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,603</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated debt</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">345</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,778</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49,512</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net assets / (liabilities)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,835</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consideration transferred for the business combination</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,318</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other equity instruments acquired</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">294</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Goodwill</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">777</span></td></tr></table></div><div style="padding-left:18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) In the purchase price allocation exercise, intangible assets amounting to EUR 393 million were identified, mainly associated with customer deposits.</span></div><div style="padding-left:17.86pt;text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Goodwill arose as the fair value of the net assets acquired was lower than the consideration transferred. The goodwill mainly reflects the expected revenue and cost synergies arising from the business combination and the benefits of future technology integration. The goodwill recognized is not expected to be deductible for corporate income tax purposes.</span></div><div style="padding-left:14.17pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The contribution of the acquired business to the Group’s attributable profit from the acquisition date, and the impact on the Group’s attributable profit assuming the transaction had been completed on 1 January 2026, are not material.</span></div> 12200000000 10300000000 48.75 2.0548 75 0.49 0.49 584 0.50 -7035000000 0.035 0.097 0.587 1310000000 1895000000 9098000000 -3274000000 697000000 0.60 3105000000 726000000 1 2867000000 3318000000 The detail of the provisional fair values of the identifiable assets acquired and liabilities assumed at the acquisition date is set out below:<div style="padding-left:18pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:83.663%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.137%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 April 2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">EUR Million</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances with central banks</span></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,270</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #3c3c3c;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,953</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits with credit institutions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans to customers</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,583</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets (*)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">427</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tangible assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">205</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,347</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances with central banks</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">689</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">614</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans from customers</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,483</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue and other financial liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,603</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated debt</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">345</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,778</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49,512</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net assets / (liabilities)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,835</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consideration transferred for the business combination</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,318</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other equity instruments acquired</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">294</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Goodwill</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">777</span></td></tr></table></div><div style="padding-left:18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) In the purchase price allocation exercise, intangible assets amounting to EUR 393 million were identified, mainly associated with customer deposits.</span></div> 5270000000 3953000000 223000000 41583000000 517000000 427000000 169000000 205000000 52347000000 689000000 614000000 40483000000 5603000000 345000000 1778000000 49512000000 2835000000 3318000000 294000000 777000000 393000000 Shareholder remuneration system and earnings per share<div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">a)   Shareholder remuneration system </span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The cash remuneration paid by Banco Santander to its shareholders in the first six months of 2026 and 2025 was as follows:</span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.606%"><tr><td style="width:1.0%"></td><td style="width:42.188%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.404%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30-06-2026</span></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30-06-2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">% of par <br/>value</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Euros per <br/>share</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount <br/>(EUR million)</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">% of par <br/>value</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Euros per <br/>share</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount <br/>(EUR million)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ordinary shares</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25.00 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.125 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,801</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.00</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:left;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.110 </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,643 </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other shares (without vote, redeemable, etc.)</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total remuneration paid</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25.00</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.125</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,801</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22.00</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.110</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,643</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend paid out of profit</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25.00 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.125 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,801</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.00</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:left;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.110</span><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,643 </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend paid with a charge to reserves or share premium</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend in kind</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Flexible payment</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At the Board of Directors meeting held on 24 February 2026, it was agreed to pay a complementary dividend in cash against 2025 results of EUR 12.5 cents per share which was paid on 5 May 2026, which was approved by the general meeting of shareholders on 27 March 2026. </span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Likewise, on 4 February 2026 a second buyback program on account of the 2025 and expected excess capital was launched for a maximum total amount of EUR 5,030 million, of which EUR 1,830 million corresponds to an amount equivalent to 25% of the Group’s underlying profit in the second half of 2025, and the remaining EUR 3,200 million corresponds to 50% of the capital released following completion of the sale of the 49% stake in Santander Bank Polska. A capital reduction resolution approved by the general meeting of shareholders will enable the cancellation of the treasury shares acquired under this second buyback programme.</span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At the general meeting of shareholders held on 4 April 2025, it was agreed to pay an interim dividend in cash against 2024 results of EUR 11 cents per share agreed by the board of directors on 25 February 2025, which became effective on 2 May 2025. Likewise, on 6 February 2025 a buyback program on account of the 2024 results was started for a maximum amount of EUR 1,587 million, which finalized on June 2025.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">b)   Earnings per share from continuing and discontinued operations</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">i. Basic earnings per share</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Basic earnings per share for the period are calculated by dividing the net profit attributable to Grupo Santander for the first six months adjusted by the after-tax amount relating to the remuneration of contingently convertible preference shares and contingently convertible perpetual obligations recognised in equity by the weighted average number of ordinary shares outstanding during the period, excluding the average number of treasury shares held in the period.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Accordingly:</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:69.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to the Parent (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,973 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,833 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remuneration of contingently convertible preferred securities (CCPS) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(318)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(310)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">8,655</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">6,523</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from discontinued operations (non controlling interest net) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,895 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">454 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from continuing operations (CCPS net) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,760 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,069 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,458,003,078 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,995,834,683 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Basic earnings per share (euros)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.60</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.43</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: from discontinued operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.03</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">                  from continuing operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.47</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.40</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">ii. Diluted earnings per share</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Diluted earnings per share for the period are calculated by dividing the net profit attributable to Grupo Santander for the first six months adjusted by the after-tax amount relating to the remuneration of contingently convertible preference shares recognised in equity and of perpetual liabilities contingently amortisable in their case by the weighted average number of ordinary shares outstanding during the period, excluding the average number of treasury shares and adjusted for all the dilutive effects inherent to potential ordinary shares (share options, warrants and convertible debt instruments).</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Accordingly, diluted earnings per share were determined as follows:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:69.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to the Parent (EUR million)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,973</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,833 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remuneration of contingently convertible preferred securities (CCPS) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(318)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(310)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8,655 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,523 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from discontinued operations (non controlling interest net) (EUR million)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,895 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">454 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from continuing operations (CCPS net) (EUR million)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,760 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,069 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,458,003,078 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,995,834,683 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dilutive effect of options/receipt of shares</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,062,704 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81,043,722 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjusted number of shares</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,540,065,782 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,076,878,405 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Diluted earnings per share (euros)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.60</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.43</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: from discontinued operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.03</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">                  from continuing operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.47</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.40</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> <div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The cash remuneration paid by Banco Santander to its shareholders in the first six months of 2026 and 2025 was as follows:</span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.606%"><tr><td style="width:1.0%"></td><td style="width:42.188%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.404%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30-06-2026</span></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30-06-2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">% of par <br/>value</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Euros per <br/>share</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount <br/>(EUR million)</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">% of par <br/>value</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Euros per <br/>share</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount <br/>(EUR million)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ordinary shares</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25.00 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.125 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,801</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.00</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:left;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.110 </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,643 </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other shares (without vote, redeemable, etc.)</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total remuneration paid</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25.00</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.125</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,801</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22.00</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.110</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,643</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend paid out of profit</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25.00 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.125 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,801</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.00</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:left;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.110</span><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,643 </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend paid with a charge to reserves or share premium</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend in kind</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Flexible payment</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="2" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#3c3c3c;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 0.2500 0.125 1801000000 0.2200 0.110 1643000000 0 0 0 0 0 0 0.2500 0.125 1801000000 0.2200 0.110 1643000000 0.2500 0.125 1801000000 0.2200 0.110 1643000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.125 5030000000 1830000000 0.25 3200000000 0.50 0.49 0.11 1587000000 <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Basic earnings per share for the period are calculated by dividing the net profit attributable to Grupo Santander for the first six months adjusted by the after-tax amount relating to the remuneration of contingently convertible preference shares and contingently convertible perpetual obligations recognised in equity by the weighted average number of ordinary shares outstanding during the period, excluding the average number of treasury shares held in the period.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Accordingly:</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:69.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to the Parent (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,973 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,833 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remuneration of contingently convertible preferred securities (CCPS) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(318)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(310)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">8,655</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">6,523</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from discontinued operations (non controlling interest net) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,895 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">454 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from continuing operations (CCPS net) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,760 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,069 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,458,003,078 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,995,834,683 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Basic earnings per share (euros)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.60</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.43</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: from discontinued operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.03</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">                  from continuing operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.47</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.40</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">ii. Diluted earnings per share</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Diluted earnings per share for the period are calculated by dividing the net profit attributable to Grupo Santander for the first six months adjusted by the after-tax amount relating to the remuneration of contingently convertible preference shares recognised in equity and of perpetual liabilities contingently amortisable in their case by the weighted average number of ordinary shares outstanding during the period, excluding the average number of treasury shares and adjusted for all the dilutive effects inherent to potential ordinary shares (share options, warrants and convertible debt instruments).</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Accordingly, diluted earnings per share were determined as follows:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:69.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to the Parent (EUR million)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,973</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,833 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remuneration of contingently convertible preferred securities (CCPS) (EUR million)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(318)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(310)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8,655 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,523 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #b6b6b6;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from discontinued operations (non controlling interest net) (EUR million)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,895 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">454 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Profit or Loss from continuing operations (CCPS net) (EUR million)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,760 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,069 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,458,003,078 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,995,834,683 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dilutive effect of options/receipt of shares</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,062,704 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81,043,722 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjusted number of shares</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,540,065,782 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #b6b6b6;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,076,878,405 </span></td><td style="border-top:1pt solid #b6b6b6;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Diluted earnings per share (euros)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.60</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.43</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: from discontinued operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.03</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">                  from continuing operations (euros)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.47</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">0.40</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 8973000000 6833000000 -318000000 -310000000 8655000000 6523000000 1895000000 454000000 6760000000 6069000000 14458003078 14995834683 0.60 0.43 0.13 0.03 0.47 0.40 8973000000 6833000000 -318000000 -310000000 8655000000 6523000000 1895000000 454000000 6760000000 6069000000 14458003078 14995834683 82062704 81043722 14540065782 15076878405 0.60 0.43 0.13 0.03 0.47 0.40 Remuneration and other benefits paid to Banco Santander’s directors and senior managers<div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Note 5 to Grupo Santander’s consolidated annual accounts for the year ended 31 December 2025 details the remuneration and other benefits to members of Banco Santander’s Board of Directors and senior management in 2025.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is a summary of the most significant data on the remunerations and benefits for the six-month periods ended 30 June 2026 and 2025:</span></div><div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">Remuneration of members of the board of directors (1)</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.366%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Members of the board of directors: (2)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remuneration concept</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed salary remuneration of executive directors</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,457</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,292</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Variable salary remuneration of executive directors</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Directors' fees</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">537</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">622</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bylaw-stipulated emoluments (annual emolument)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,095</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,750</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,361</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,839</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,296</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">The Notes to the consolidated annual accounts for 2026 will contain detailed and complete information on the remuneration paid to all the directors, including executive directors. </span></div><div style="padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">2.</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">Ms. Homaira Akbari stepped down as member of the board of directors on 27 March 2026. From 12 May 2026, Ms. Deborah Stern Vieitas joined the board of directors.</span></div><div style="margin-bottom:10pt;padding-left:17.86pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:10pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">Other benefits of members of the board of directors</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.366%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Members of the board of directors</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other benefits</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advances</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans granted</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">230 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">262 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds and plans: Endowments and/or contributions (1)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,284 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,208 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds and plans: Accumulated rights (2)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,265 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,578 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life insurance premiums</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">634 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">928 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees provided for directors</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt"> These correspond to the endowments and/or contributions made during the first six months of 2026 and 2025 in respect of retirement pensions, widowhood, orphanhood and permanent disability.</span></div><div style="padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt"> Corresponds to the rights accrued by the directors in matters of pensions. Additionally, former members of the board had at 30 June 2026 and 30 June 2025 rights accrued for this concept for EUR 41,098 thousand and EUR 42,662 thousand, respectively.</span></div><div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">Remuneration of senior management (1) (2)</span></div><div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The table below includes the corresponding amounts related to remunerations of senior management at 30 June 2026 and 2025, excluding the executive directors:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:72.290%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior management (1)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #929292;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total remuneration of senior management (2)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #929292;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,320 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #929292;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #929292;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,540 </span></td><td style="border-bottom:0.5pt solid #929292;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">Remunerations received during the first six months by members of the senior management who ceased in their functions by 30 June 2026, amounted to EUR 1,362 thousand (EUR 0 thousand by 30 June 2025). </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt">The number of members of Banco Santander's senior management, excluding executive directors, is 15 as of 30 June 2026 (15 pe</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">rsons as of 30 June 2025)</span></div><div style="margin-bottom:10pt;margin-top:9pt;padding-left:18pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The variable annual remuneration (or bonuses) received for fiscal year 2025, both for directors and the rest of senior management, were included in the information on remuneration included in the annual report for that year. Similarly, the variable remuneration attributable to the 2026 results, which will be submitted for approval by the Board of Directors at the appropriate time, will be included in the financial statements for the current year.</span></div><div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">Funds and pension plans of senior management</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:72.290%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior management (1)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds: Endowments and / or contributions (2)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,387 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,708 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds: Accumulated rights (3)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,264 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,863 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">During the first six months of 2026 and 2025, no contributions were made to pension funds for members who had ceased in their functions during those periods.</span></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt">Corresponds to the allocations and/or contributions made during the first six months of 2026 and 2025 as retirement pensions.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">3.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt">Corresponds to the rights accrued by members of senior management in the area of pensions. In addition, former members of senior management had at 30 June 2026 and 30 June 2025 rights accumulated for this same concept for EUR 77,811 thousand and EUR 73,141 thousand, respectively.</span></div> <div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is a summary of the most significant data on the remunerations and benefits for the six-month periods ended 30 June 2026 and 2025:</span></div><div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">Remuneration of members of the board of directors (1)</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.366%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Members of the board of directors: (2)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remuneration concept</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed salary remuneration of executive directors</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,457</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,292</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Variable salary remuneration of executive directors</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Directors' fees</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">537</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">622</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bylaw-stipulated emoluments (annual emolument)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,095</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,750</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,361</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,839</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,296</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">The Notes to the consolidated annual accounts for 2026 will contain detailed and complete information on the remuneration paid to all the directors, including executive directors. </span></div><div style="padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">2.</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">Ms. Homaira Akbari stepped down as member of the board of directors on 27 March 2026. From 12 May 2026, Ms. Deborah Stern Vieitas joined the board of directors.</span></div><div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The table below includes the corresponding amounts related to remunerations of senior management at 30 June 2026 and 2025, excluding the executive directors:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:72.290%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior management (1)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #929292;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total remuneration of senior management (2)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #929292;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,320 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #929292;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #929292;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,540 </span></td><td style="border-bottom:0.5pt solid #929292;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">Remunerations received during the first six months by members of the senior management who ceased in their functions by 30 June 2026, amounted to EUR 1,362 thousand (EUR 0 thousand by 30 June 2025). </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt">The number of members of Banco Santander's senior management, excluding executive directors, is 15 as of 30 June 2026 (15 pe</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">rsons as of 30 June 2025)</span></div> 3457000 3292000 0 0 537000 622000 2095000 2021000 1750000 2361000 7839000 8296000 <div style="margin-bottom:10pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">Other benefits of members of the board of directors</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.366%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Members of the board of directors</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other benefits</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advances</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans granted</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">230 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">262 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds and plans: Endowments and/or contributions (1)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,284 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,208 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds and plans: Accumulated rights (2)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,265 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,578 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life insurance premiums</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">634 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">928 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees provided for directors</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt"> These correspond to the endowments and/or contributions made during the first six months of 2026 and 2025 in respect of retirement pensions, widowhood, orphanhood and permanent disability.</span></div><div style="padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt"> Corresponds to the rights accrued by the directors in matters of pensions. Additionally, former members of the board had at 30 June 2026 and 30 June 2025 rights accrued for this concept for EUR 41,098 thousand and EUR 42,662 thousand, respectively.</span></div> 0 0 230000 262000 1284000 1208000 90265000 82578000 634000 928000 0 0 41098000 42662000 16320000 15540000 1362000 0 15 15 <div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">Funds and pension plans of senior management</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:72.290%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.206%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Senior management (1)</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds: Endowments and / or contributions (2)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,387 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,708 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension funds: Accumulated rights (3)</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,264 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,863 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:1.47pt">During the first six months of 2026 and 2025, no contributions were made to pension funds for members who had ceased in their functions during those periods.</span></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-align:justify;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt">Corresponds to the allocations and/or contributions made during the first six months of 2026 and 2025 as retirement pensions.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">3.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%;padding-left:1.47pt">Corresponds to the rights accrued by members of senior management in the area of pensions. In addition, former members of senior management had at 30 June 2026 and 30 June 2025 rights accumulated for this same concept for EUR 77,811 thousand and EUR 73,141 thousand, respectively.</span></div> 2387000 2708000 55264000 53863000 77811000 73141000 Financial assets<div style="margin-bottom:9pt;margin-top:12pt;padding-left:7.08pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%"> a)   Breakdown</span></div><div style="margin-bottom:10pt;padding-left:21.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail, by nature and category for measurement purposes, of Grupo Santander's financial assets, other than the balances relating to Cash, cash balances at central banks and other deposits on demand and Hedging derivatives, at 30 June 2026 and 31 December 2025 is as follows, presented by the nature and categories for valuation purposes:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:34.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.473%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>assets held <br/>for trading</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-trading <br/>financial <br/> assets <br/> mandatorily <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets <br/> designated <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at fair <br/> value through <br/> other <br/> comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at <br/> amortised <br/>cost</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,246 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,105 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,278 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,602 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113,686 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,894 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,970 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165,861 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,904 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,533 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,990 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,799 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,168,490 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central Banks</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,524 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,156 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,072 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">436 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,011 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,308 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,533 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,554 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,444 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,081,323 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">286,941</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,058</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,884</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,371</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,334,351</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:5pt"><span><br/></span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:35.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.474%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>assets held <br/>for trading</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-trading <br/>financial <br/> assets <br/> mandatorily <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets <br/> designated <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at fair <br/> value through <br/> other <br/> comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at <br/> amortised <br/>cost</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,355 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,030 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,815 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,281 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98,568 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,894 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,305 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140,014 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,365 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,701 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,152 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,026 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,062,675 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central Banks</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,632 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,986 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,967 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,513 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,766 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,701 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,739 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,906 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">985,176 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></div></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">252,318</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,761</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,046</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,612</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,202,689</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the gross exposure of financial assets subject to impairment stages at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.029%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.457%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.029%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.179%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-bottom:0.5pt solid #990000;border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,266</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">428</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">153</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,847</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">737</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72,418</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,974 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,974 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,290 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,310 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,292 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">428 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,873 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,269 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,108 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Central Banks</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Credit institutions </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Customers</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,937 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">428 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,518 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,149 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,988 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,233,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88,116</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,356,910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,109,395</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82,323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,223,969</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">163,464 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,573 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,498 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166,535 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">138,219 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,460 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">842 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140,521 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,069,867 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,543 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,965 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,190,375 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">971,176 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,863 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,409 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,083,448 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Central Banks</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,156 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,156 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,986 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,986 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Credit institutions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69,984 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,017 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,517 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,517 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Customers</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982,727 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,510 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,965 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103,202 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">893,673 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,863 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,409 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,005,945 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="background-color:#dbdbdb;color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,304,597</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88,544</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,616</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,428,757</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,180,954</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83,060</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,373</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,296,387</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 30 June 2026, Grupo Santander has EUR 859 million (EUR 315 million on 31 December 2025) of exposure in impaired assets purchased with impairment, with a provision of EUR </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">70</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%"> million, which mainly correspond to the business combinations carried out by Grupo Santander. Of the aforementioned amount, EUR 493 million come from the acquisition of TSB (see Note 2).</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">b)    </span><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">Impairment allowances of financial assets at amortised cost portfolio</span></div><div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following is the movement that has taken place, during the six-month periods ended 30 June 2026 and 2025, in the balance of provisions that cover losses due to impairment of assets which comprise the heading balance of the financial assets at amortised cost:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 10.07pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as at beginning of period</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,595</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,326</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment losses charged to income for the period</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,394 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,314 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Impairment losses charged to income</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">14,814 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">14,514 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Impairment losses reversed with a credit to income</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(7,420)</span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(7,200)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-off of impaired balances against recorded impairment allowance</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,350)</span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,780)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">778 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,774)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as at end of period</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,417</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,086</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which, relating to:</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Impaired assets</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">15,443 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13,607 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7,974 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7,479 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Individually calculated</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,850 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,628 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Collectively calculated</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">20,567 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">18,458 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Previously written-off assets recovered during the first six months of 2026 and 2025 amount to EUR 843 million and to EUR 845 million, respectively. Considering these amounts, the recorded impairment of financial assets at amortised cost is EUR 6,551 million and EUR 6,469 million at 30 June 2026 and 30 June 2025.</span></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers recognised under 'Financial assets at amortised cost' as at 30 June 2026 and 30 June 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:53.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.331%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance as at beginning of period</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,975 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,623 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,478 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,076 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers between stages</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(577)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">484 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,702 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,609 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">850 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(485)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,383 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,748 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,298)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,298)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(94)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">543 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">524 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount at end of period</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,154</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,697</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,808</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,659</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:10pt;text-align:justify;text-indent:28.34pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:53.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.331%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance as at beginning of period</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,281 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,735 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,967 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,983 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers between stages</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(769)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">596 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,925 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,752 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">663 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(469)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,313 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,507 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,717)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,717)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(217)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(411)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,208)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,836)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">Carrying amount at end of period</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">2,958</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">4,451</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">13,280</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">20,689</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">c)  Impaired assets of financial assets at amortised cost portfolio</span></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The movement during the six-month periods ended 30 June 2026 and 2025, in the balance of financial assets classified at amortised cost and considered impaired by reason for the credit risk is as follows:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance as at beginning of period</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,297 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,206 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net additions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,564 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,119 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Written-off assets</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,350)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,780)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perimeter Changes</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">502 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,044 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,549)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at end of period</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,057</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,996</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">This amount, after deducting the related allowances, represents Grupo Santander's best estimate of the discounted value of the flows that are expected to be recovered from the impaired assets. </span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">d)  Collaterals received</span></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the breakdown of the value of the collaterals received to ensure the collection of the financial assets that comprise the heading of financial assets at amortized cost, distinguishing between real collaterals and other collaterals at </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:10pt;margin-top:18pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Real collaterals value</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">673,085 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">604,281 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11,857 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11,072 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collaterals value</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102,125 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100,726 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,218 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,809 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total value of the collaterals received</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">775,210</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">705,007</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">e)  Fair value of financial assets not measured at fair value</span></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is a comparison of the carrying amounts of Grupo Santander’s financial assets measured at other than fair value and their respective fair values at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:50.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying <br/>amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair <br/>value</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying <br/>amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair <br/>value</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,168,490 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,167,161 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,062,675 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,062,981 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165,861 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">164,914 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140,014 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139,242 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,334,351</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,332,075</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,202,689</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,202,223</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The main valuation methods and inputs used in the estimation of the fair value of the financial assets of the previous table are detailed in Note 51.c of the consolidated annual accounts for the year 2025.</span></div> <div style="margin-bottom:10pt;padding-left:21.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail, by nature and category for measurement purposes, of Grupo Santander's financial assets, other than the balances relating to Cash, cash balances at central banks and other deposits on demand and Hedging derivatives, at 30 June 2026 and 31 December 2025 is as follows, presented by the nature and categories for valuation purposes:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:34.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.473%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>assets held <br/>for trading</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-trading <br/>financial <br/> assets <br/> mandatorily <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets <br/> designated <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at fair <br/> value through <br/> other <br/> comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at <br/> amortised <br/>cost</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,246 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,105 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,278 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,602 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113,686 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,894 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,970 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165,861 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,904 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,533 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,990 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,799 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,168,490 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central Banks</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,524 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,156 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,072 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">436 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,011 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,308 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,533 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,554 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,444 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,081,323 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">286,941</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,058</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,884</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,371</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,334,351</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:5pt"><span><br/></span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:35.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.474%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>assets held <br/>for trading</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-trading <br/>financial <br/> assets <br/> mandatorily <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets <br/> designated <br/> at fair value <br/> through <br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at fair <br/> value through <br/> other <br/> comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/> assets at <br/> amortised <br/>cost</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,355 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,030 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,815 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,281 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98,568 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,894 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,305 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140,014 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,365 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,701 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,152 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,026 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,062,675 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central Banks</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,632 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,986 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,967 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,513 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,766 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,701 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,739 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,906 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">985,176 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></div></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">252,318</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,761</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,046</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,612</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,202,689</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 59246000000 23105000000 6278000000 3602000000 113686000000 247000000 2894000000 58970000000 165861000000 90904000000 1533000000 4990000000 12799000000 1168490000000 18524000000 0 0 0 17156000000 23072000000 0 436000000 355000000 70011000000 49308000000 1533000000 4554000000 12444000000 1081323000000 286941000000 8058000000 7884000000 75371000000 1334351000000 58355000000 22030000000 5815000000 2281000000 98568000000 245000000 2894000000 58305000000 140014000000 73365000000 1701000000 5152000000 14026000000 1062675000000 14632000000 0 0 0 15986000000 25967000000 0 413000000 1120000000 61513000000 32766000000 1701000000 4739000000 12906000000 985176000000 252318000000 7761000000 8046000000 74612000000 1202689000000 <div style="margin-bottom:9pt;margin-top:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the gross exposure of financial assets subject to impairment stages at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.029%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.457%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.029%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.745%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.179%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-bottom:0.5pt solid #990000;border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,266</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">428</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">153</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,847</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">737</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72,418</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,974 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,974 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,290 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,310 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,292 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">428 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,873 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,269 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,108 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Central Banks</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Credit institutions </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Customers</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,937 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">428 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,518 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,149 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,988 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,233,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88,116</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,356,910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,109,395</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82,323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,223,969</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">163,464 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,573 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,498 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166,535 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">138,219 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,460 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">842 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140,521 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,069,867 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,543 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,965 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,190,375 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">971,176 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,863 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,409 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,083,448 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Central Banks</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,156 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,156 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,986 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,986 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Credit institutions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69,984 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,017 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,517 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,517 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">   Customers</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982,727 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,510 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,965 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103,202 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">893,673 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80,863 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,409 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,005,945 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="background-color:#dbdbdb;color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,304,597</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88,544</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,616</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,428,757</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,180,954</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83,060</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,373</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,296,387</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:39.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.330%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount in books on the amount of the last appraisal (loan to value)</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 40% or less than 60%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 60% and less than 80%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 80% and less or equal to 100%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">More than 100%</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross amount</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,826 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,061 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,703 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,940 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">519 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">63,049 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">108 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">136 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">116 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">61 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">71 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">492 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:39.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.330%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount in books on the amount of the last appraisal (loan to value)</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 40% or less than 60%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 60% and less than 80%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 80% and less or equal to 100%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">More than 100%</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross amount</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,191 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,310 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,811 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,812 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">663 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,787 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">122 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">158 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">151 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">84 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">103 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">618 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:7.08pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At the end 30 June 2026 and 31 December 2025 the concentration of this portfolio was as follows:</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:7.08pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:55.989%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.081%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.081%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.449%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30-06-2026</span></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31-12-2025</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Loans: Gross amount</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1. Without mortgage collateral</span></div></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2. With mortgage collateral</span></div></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,157 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,970 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1 Completed buildings</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,092 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">976 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1.1 Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">658 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1.2 Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">318 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.2 Buildings and other constructions under construction</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,053 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,981 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.2.1 Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,953 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,913 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.2.2 Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.3 Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.3.1 Developed consolidated land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.3.2 Other land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,172</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,984</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div> 71266000000 428000000 153000000 71847000000 71559000000 737000000 122000000 72418000000 58974000000 0 0 58974000000 58290000000 20000000 0 58310000000 12292000000 428000000 153000000 12873000000 13269000000 717000000 122000000 14108000000 0 0 0 0 0 0 0 0 355000000 0 0 355000000 1120000000 0 0 1120000000 11937000000 428000000 153000000 12518000000 12149000000 717000000 122000000 12988000000 1233331000000 88116000000 35463000000 1356910000000 1109395000000 82323000000 32251000000 1223969000000 163464000000 1573000000 1498000000 166535000000 138219000000 1460000000 842000000 140521000000 1069867000000 86543000000 33965000000 1190375000000 971176000000 80863000000 31409000000 1083448000000 17156000000 0 0 17156000000 15986000000 0 0 15986000000 69984000000 33000000 0 70017000000 61517000000 0 0 61517000000 982727000000 86510000000 33965000000 1103202000000 893673000000 80863000000 31409000000 1005945000000 1304597000000 88544000000 35616000000 1428757000000 1180954000000 83060000000 32373000000 1296387000000 859000000 315000000 70000000 493000000 <div style="margin-bottom:9pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following is the movement that has taken place, during the six-month periods ended 30 June 2026 and 2025, in the balance of provisions that cover losses due to impairment of assets which comprise the heading balance of the financial assets at amortised cost:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 10.07pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as at beginning of period</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,595</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,326</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment losses charged to income for the period</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,394 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,314 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Impairment losses charged to income</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">14,814 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">14,514 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Impairment losses reversed with a credit to income</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(7,420)</span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(7,200)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-off of impaired balances against recorded impairment allowance</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,350)</span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,780)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">778 </span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,774)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance as at end of period</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,417</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,086</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which, relating to:</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Impaired assets</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">15,443 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13,607 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7,974 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7,479 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Individually calculated</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,850 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,628 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Collectively calculated</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">20,567 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">18,458 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:10pt;margin-top:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers recognised under 'Financial assets at amortised cost' as at 30 June 2026 and 30 June 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:53.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.331%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance as at beginning of period</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,975 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,623 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,478 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,076 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers between stages</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(577)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">484 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,702 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,609 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">850 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(485)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,383 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,748 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,298)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,298)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(94)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">543 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">524 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount at end of period</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,154</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,697</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,808</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,659</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:10pt;text-align:justify;text-indent:28.34pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:53.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.331%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance as at beginning of period</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,281 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,735 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,967 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,983 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers between stages</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(769)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">596 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,925 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,752 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">663 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(469)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,313 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,507 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,717)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,717)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(217)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(411)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,208)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,836)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">Carrying amount at end of period</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">2,958</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">4,451</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">13,280</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">20,689</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The movement during the six-month periods ended 30 June 2026 and 2025, in the balance of financial assets classified at amortised cost and considered impaired by reason for the credit risk is as follows:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance as at beginning of period</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,297 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,206 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net additions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,564 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,119 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Written-off assets</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,350)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,780)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perimeter Changes</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">502 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences and other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,044 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,549)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance at end of period</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,057</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,996</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div> -21595000000 -22326000000 7394000000 7314000000 14814000000 14514000000 7420000000 7200000000 6350000000 6780000000 -778000000 1774000000 -23417000000 -21086000000 -15443000000 -13607000000 -7974000000 -7479000000 -2850000000 -2628000000 -20567000000 -18458000000 843000000 845000000 6551000000 6469000000 -2975000000 -4623000000 -13478000000 -21076000000 577000000 -484000000 -4702000000 -4609000000 -850000000 485000000 -2383000000 -2748000000 0 0 -6298000000 -6298000000 94000000 -75000000 -543000000 -524000000 -3154000000 -4697000000 -14808000000 -22659000000 -3281000000 -4735000000 -13967000000 -21983000000 769000000 -596000000 -3925000000 -3752000000 -663000000 469000000 -3313000000 -3507000000 0 0 -6717000000 -6717000000 217000000 411000000 1208000000 1836000000 -2958000000 -4451000000 -13280000000 -20689000000 32297000000 34206000000 8564000000 6119000000 6350000000 6780000000 502000000 0 1044000000 -2549000000 36057000000 30996000000 <div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the breakdown of the value of the collaterals received to ensure the collection of the financial assets that comprise the heading of financial assets at amortized cost, distinguishing between real collaterals and other collaterals at </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:10pt;margin-top:18pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Real collaterals value</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">673,085 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">604,281 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11,857 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11,072 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collaterals value</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102,125 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100,726 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: Impaired </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,218 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,809 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total value of the collaterals received</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">775,210</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">705,007</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 673085000000 604281000000 11857000000 11072000000 102125000000 100726000000 2218000000 1809000000 775210000000 705007000000 <div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is a comparison of the carrying amounts of Grupo Santander’s financial assets measured at other than fair value and their respective fair values at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:50.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying <br/>amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair <br/>value</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying <br/>amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair <br/>value</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,168,490 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,167,161 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,062,675 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,062,981 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165,861 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">164,914 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140,014 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139,242 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,334,351</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,332,075</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,202,689</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,202,223</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div> 1168490000000 1167161000000 1062675000000 1062981000000 165861000000 164914000000 140014000000 139242000000 1334351000000 1332075000000 1202689000000 1202223000000 Non-current assets held for sale and liabilities associated with non-current assets held for sale<div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail, by nature, of Grupo Santander’s non-current assets held for sale and liabilities associated with non-current assets held for sale at 30 June 2026 and 31 December 2025 is as follows presented by nature:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 10.07pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tangible assets</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,857</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,850</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreclosed assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,487</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,487</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">      Of which Property assets in Spain </span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,643</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,705</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other tangible assets held for sale</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">363</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt 0 7pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Entities held for sale</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72,148</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Bank Polska (Note 2)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,148</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Assets associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,866</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,011</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Entities held for sale</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Bank Polska (Note 2)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">62,995</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Liabilities associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,995</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The balance of the provisions for tangible assets at 30 June 2026 is EUR 2,241 million (EUR 2,357 million at 31 December 2025). The charges recorded in the first six months of 2026 and 2025 amounted to EUR 30 million and EUR 54 million, respectively, and the recoveries undergone during those periods amount to EUR 12 million and EUR 7 million, respectively.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%;text-decoration:underline">Assets and liabilities from entities held for sale</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">As mentioned in Note 2, on 9 January 2026 the sale of 49% of the share capital of Santander Bank Polska and 50% of its asset management business in Poland to Erste Group Bank AG was completed. </span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The changes in the accounting balances of the Polish business for sale between 31 December 2025, and the closing date of the transaction, 9 January 2026, are not material for the purposes of these consolidated condensed interim financial statements.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The consolidated condensed balance sheet as of 31 December 2025 the consolidated condensed income statement, and the consolidated statement of cash flows for the first six months of 2025 for the Polish business for sale are included below:</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;text-decoration:underline">Condensed balance sheets of companies held for sale - Santander Bank Polska</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:81.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed assets</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,515</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,956</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,173</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,642</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,335</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,224</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,303</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72,148</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:81.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">842</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortised cost</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,704</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">603</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,335</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">511</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,995</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:81.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains or losses on defined benefit pension plans</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that may be reclassified to profit or loss</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(590)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedges of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(522)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(164)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedges (effective portion)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #242424;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="3" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10)</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Condensed income statements of companies held for sale - Santander Bank Polska</span></div><div style="margin-bottom:3pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:78.781%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.019%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed consolidated income statements</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">01-01-2025 to<br/>30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest Margin</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,505</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments accounted for using the equity method</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net commissions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">342</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net trading income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other operating results</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(73)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,828</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administrative expenses, depreciation and amortisation cost</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(501)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment of financial assets (*)</span></div></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other results and provisions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(243)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before taxes</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">963</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(237)</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #242424;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit of the year</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #242424;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">726</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) Of which EUR -63 million correspond to renegotiations or contractual modifications as of 30 June 2025.</span></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Condensed statements of cash flows of companies held for sale - Santander Bank Polska</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:78.781%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.019%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed consolidated statements of cash flows</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A) Cash flows from operating activities</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">430</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">B) Cash flows from investing activities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">C) Cash flows from financing activities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(466)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">D) Effect of foreign exchange rate differences</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">E) Net increase/(decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(38)</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Effect on net cash inflows from discontinued operations - Sale of Santander Bank Polska</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:79.817%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.983%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents disposed of</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,515)</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consideration received satisfied in cash - Santander Bank Polska</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">7,035</span></td></tr></table></div> <div style="margin-bottom:10pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail, by nature, of Grupo Santander’s non-current assets held for sale and liabilities associated with non-current assets held for sale at 30 June 2026 and 31 December 2025 is as follows presented by nature:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 10.07pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-indent:-9.07pt"></div></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tangible assets</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,857</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,850</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreclosed assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,487</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,487</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">      Of which Property assets in Spain </span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,643</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,705</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other tangible assets held for sale</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">363</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt 0 7pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Entities held for sale</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72,148</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Bank Polska (Note 2)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,148</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Assets associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,866</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,011</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Entities held for sale</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Bank Polska (Note 2)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">62,995</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Liabilities associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,995</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 2857000000 2850000000 2487000000 2487000000 1643000000 1705000000 370000000 363000000 0 72148000000 0 72148000000 9000000 13000000 2866000000 75011000000 0 62995000000 0 62995000000 2241000000 2357000000 30000000 54000000 12000000 7000000 0.49 0.50 <div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The consolidated condensed balance sheet as of 31 December 2025 the consolidated condensed income statement, and the consolidated statement of cash flows for the first six months of 2025 for the Polish business for sale are included below:</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;text-decoration:underline">Condensed balance sheets of companies held for sale - Santander Bank Polska</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:81.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed assets</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,515</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,956</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,173</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55,642</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,335</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,224</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,303</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72,148</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:81.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">842</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at amortised cost</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,704</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">603</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,335</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">511</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,995</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:81.296%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains or losses on defined benefit pension plans</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that may be reclassified to profit or loss</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(590)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedges of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(522)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(164)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedges (effective portion)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #242424;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="3" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10)</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Condensed income statements of companies held for sale - Santander Bank Polska</span></div><div style="margin-bottom:3pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:78.781%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.019%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed consolidated income statements</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">01-01-2025 to<br/>30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest Margin</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,505</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments accounted for using the equity method</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net commissions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">342</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net trading income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other operating results</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(73)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,828</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administrative expenses, depreciation and amortisation cost</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(501)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment of financial assets (*)</span></div></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other results and provisions</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(243)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before taxes</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">963</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(237)</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #242424;border-top:0.25pt solid #242424;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit of the year</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #242424;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">726</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) Of which EUR -63 million correspond to renegotiations or contractual modifications as of 30 June 2025.</span></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Condensed statements of cash flows of companies held for sale - Santander Bank Polska</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:78.781%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.019%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Condensed consolidated statements of cash flows</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A) Cash flows from operating activities</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">430</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">B) Cash flows from investing activities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">C) Cash flows from financing activities</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(466)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">D) Effect of foreign exchange rate differences</span></td><td colspan="3" style="background-color:#ececec;border-top:0.25pt solid #494949;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">E) Net increase/(decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(38)</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Effect on net cash inflows from discontinued operations - Sale of Santander Bank Polska</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.461%"><tr><td style="width:1.0%"></td><td style="width:79.817%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.983%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents disposed of</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,515)</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consideration received satisfied in cash - Santander Bank Polska</span></td><td colspan="3" style="background-color:#ececec;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">7,035</span></td></tr></table></div> 2515000000 1956000000 8173000000 55642000000 1335000000 1224000000 1303000000 72148000000 842000000 59704000000 603000000 1335000000 511000000 62995000000 56000000 0 56000000 -590000000 -522000000 -164000000 98000000 8000000 -10000000 1505000000 3000000 14000000 342000000 37000000 -73000000 1828000000 501000000 121000000 243000000 963000000 237000000 726000000 63000000 430000000 -11000000 -466000000 9000000 -38000000 -2515000000 -7035000000 Tangible assets<div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">a)   Changes in the period</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In the first six months of 2026 and 2025, tangible assets (rights of use are not included) were acquired for EUR 2,844 million and EUR 3,197 million, respectively.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Likewise, in the first six months of 2026 and 2025 tangible asset items were disposed of with a carrying amount of EUR 2,923 million and EUR 2,927 million, generating a net profit of EUR 12 million and EUR 1 million, respectively.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">b)   Property, plant and equipment purchase commitments</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 30 June 2026 and 2025, Grupo Santander did not have any significant commitments to purchase property, plant and equipment items.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">c) Leasing rights</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">As of 30 June 2026, Grupo Santander has tangible assets under lease for the amount of EUR 1,607 million (EUR 1,556 million at 31 December 2025).</span></div> 2844000000 3197000000 2923000000 2927000000 12000000 1000000 1607000000 1556000000 Intangible assets<div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail of Intangible Assets - Goodwill at 30 June 2026 and 31 December 2025, based on the cash-generating units giving rise thereto, is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:76.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.330%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander (Brazil)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,309 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,031 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom (*)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,398 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">609 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SAM Investment Holdings Limited</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,382 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,444 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Consumer Germany</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,304 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,304 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Portugal</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,040 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,040 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander España</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">998 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">998 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander US Auto</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">971 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">943 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Holding USA (ex. Auto)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">787 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">765 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Grupo Financiero Santander (Mexico)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">489 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">463 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">473 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">470 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ebury Partners</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">329 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">326 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Consumer Nordics</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">218 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">211 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other entities</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">445 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">354 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Goodwill</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,143</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,958</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8pt;font-weight:400;line-height:110%">(*) United Kingdom includes both Santander UK and TSB Banking Group Limited.</span></div><div><span><br/></span></div><div><span><br/></span></div><div style="padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">During the first six months of 2026 there has been an increase in goodwill of EUR 1,185 million, mainly due to the initial recognition of goodwill amounting to EUR 777 million arising from the acquisition of TSB Banking Group Limited. This amount has been determined on a provisional basis in accordance with IFRS 3, as further described in Note 2. To a lesser extent, the increase also reflects foreign exchange differences (see Note 11), which, in accordance with the applicable accounting standards, have been recognised through the heading 'Other comprehensive income - Items that may be reclassified subsequently to profit or loss - Foreign currency translation' within equity in the Condensed Consolidated Statement of Recognised Income and Expense. </span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">Note 17 of the consolidated annual accounts for the year ended 31 December 2025 includes detailed information on the procedures followed by Grupo Santander to analyse the potential impairment of the goodwill recognised with respect to its recoverable amount and to recognise the related impairment losses, where appropriate.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In accordance with IAS 36, a Cash Generating Unit (CGU) to which goodwill has been assigned should be subjected to an annual impairment test, and when there are signs of impairment.</span></div>In accordance with all mentioned before and the analysis made of the information available on the evolution of the different cash-generating units that could reveal the existence of indications of impairment, the directors of the Grupo Santander have concluded that during the first six months of 2026 , there were no triggers that required the recording of impairments. <div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail of Intangible Assets - Goodwill at 30 June 2026 and 31 December 2025, based on the cash-generating units giving rise thereto, is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:76.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.330%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander (Brazil)</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,309 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,031 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom (*)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,398 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">609 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">SAM Investment Holdings Limited</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,382 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,444 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Consumer Germany</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,304 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,304 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Portugal</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,040 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,040 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander España</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">998 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">998 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander US Auto</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">971 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">943 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Holding USA (ex. Auto)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">787 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">765 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Grupo Financiero Santander (Mexico)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">489 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">463 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">473 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">470 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ebury Partners</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">329 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">326 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Consumer Nordics</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">218 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">211 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other entities</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">445 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">354 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Goodwill</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,143</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,958</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8pt;font-weight:400;line-height:110%">(*) United Kingdom includes both Santander UK and TSB Banking Group Limited.</span></div> 3309000000 3031000000 1398000000 609000000 1382000000 1444000000 1304000000 1304000000 1040000000 1040000000 998000000 998000000 971000000 943000000 787000000 765000000 489000000 463000000 473000000 470000000 329000000 326000000 218000000 211000000 445000000 354000000 13143000000 11958000000 1185000000 777000000 0 Financial liabilities<div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">a)   Breakdown</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following is a breakdown of Grupo Santander's financial liabilities, other than the balances corresponding to the Derivatives - hedge accounting heading, as of 30 June 2026 and 31 December 2025, presented by nature and categories for valuation purposes:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:21.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.759%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>held for <br/>trading</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>designated at <br/>fair value through <br/>profit or loss</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities at <br/>amortised cost</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>held for <br/>trading</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>designated at <br/>fair value through <br/>profit or loss</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities at <br/>amortised cost</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,319 </span></td><td style="background-color:#ececec;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,968 </span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short Positions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,956 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,015 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99,142 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,164 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,161,212 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,563 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,440 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,072,384 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,833 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">435 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,217 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,385 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,086 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,542 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,141 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,515 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83,615 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,058 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,424 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,692 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,168 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,214 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060,380 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,930 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">979,150 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,221 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">332,846 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,686 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312,704 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,718 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,096 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></div></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">193,417</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,407</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,543,776</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">171,546</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,148</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,421,184</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">b)   Information on issuances, repurchases or redemptions of debt instruments issued</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail of the balance of debt instruments issued according to their nature is:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds and debentures outstanding</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">269,438 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">253,893 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,911 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,859 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Promissory notes and other securities</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,718 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,638 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total debt instruments issued</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">348,067</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">324,390</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail, at 30 June 2026 and 2025, of the outstanding balance of the debt instruments, excluding promissory notes, which at these dates had been issued by Banco Santander or any other Group entity is disclosed below. Also included is the detail of the changes in this balance in the first six months of 2026 and 2025:</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:36.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.057%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Opening balance as at 01-01-2026</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Perimeter</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issuances or placements</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchases or <br/>redemptions</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Exchange <br/>rate and other <br/>adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Closing balance as at 06-30-26</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds and debentures outstanding</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">253,893 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,874 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,911 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(53,295)</span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,055 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">269,438 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,859 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,696 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,655)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,006 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,911 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bonds and debentures outstanding and subordinated liabilities issued</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">282,752</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,879</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,607</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(54,950)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,061</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">300,349</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:36.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.057%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Opening balance as at 01-01-2025</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Perimeter</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issuances or placements</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchases or <br/>redemptions</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Exchange <br/>rate and other <br/>adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Closing balance as at 06-30-25</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds and debentures outstanding</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">252,765 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,180 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32,874)</span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12,180)</span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244,891 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,461 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">278 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,147)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,641)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,951 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bonds and debentures outstanding and subordinated liabilities issued</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">288,226</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,458</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(36,021)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13,821)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">275,842</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below is information on the main issuances, placements and redemptions carried out by Banco Santander, S.A. during the first six months of 2026 and 2025: </span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 11 June 2026, Banco Santander, S.A. proceeded to buyback for subsequent early amortization for a total nominal amount of USD 701.6 million contingent convertible preferred securities into ordinary shares with ISIN US05971KAH23, which are listed on the "New York Stock Exchange" (the "CCPS"). Following this buyback, the outstanding nominal amount was reduced to USD 298.4 million.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 3 June 2026, Banco Santander, S.A. carried out an issuance of newly issued contingent convertible preferred securities into the Bank´s ordinary shares (CCPS) in a total nominal amount of USD 1,500 million. The issuance was priced at par, and the distribution on the CCPS, the payment of which is subject to certain conditions and is also discretionary, was set at 7.25% payable quarterly for the first ten years. Thereafter, it will be reset every five years at a rate equal to the five-years U.S. Treasury rate plus a margin of 283.7 basis points. </span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 22 April 2026, Banco Santander, S.A. issued EUR 1 billion of subordinated debt with a 12-year maturity. The issuance was priced at 99.834% of par value and carries an annual coupon of 4.25% for the first seven years, with an issuer call option in April 2033. if the notes are not redeemed on that date, the coupon will be reset to a fixed rate equal to the five-year Euro swap rate plus 135 basis points.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 14 January 2026, Banco Santander, S.A. proceeded to prepay all of the contingently convertible Tier 1 preferred shares with ISIN code XS2102912966, for a total nominal amount of EUR 1,033.4 million.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 18 March 2025, Banco Santander, S.A. carried out an issue of subordinated debt for an amount of EUR 1,500 million and carrying a 2.50% coupon with ISIN code XS1201001572.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 17 February 2025, Banco Santander, S.A. prepaid EUR 600.8 million out of a total of EUR 1,500 million of the transaction with ISIN XS1384064587 following the tender announcement launched on 6 February 2025.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 17 February 2025, Banco Santander, S.A. prepaid EUR 563.6 million euros out of a total of EUR 1,000 million of the transaction with ISIN XS1548444816 following the tender announcement launched on 6 February 2025.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">c)    Other issuances guaranteed by Grupo Santander</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 31 June 2026 and 2025, there were no debt instruments issued by associates or non-Group third parties (unrelated) that had been guaranteed by Banco Santander or any other Group entity.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%"> d)   Fair value of financial liabilities not measured at fair value</span></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is a comparison between the value by which Grupo Santander’s financial liabilities are recorded that are measured using criteria other than fair value and their corresponding fair value at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:52.205%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.980%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.167%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.980%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,161,212 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,161,811 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,072,384 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,073,147 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">332,846 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333,653 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312,704 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">314,173 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,494,058</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,495,464</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,385,088</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,387,320</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:10pt;padding-left:28.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Additionally, other financial liabilities are accounted for EUR 49,718 million and EUR 36,096 million as of 30 June 2026 and 31 December 2025, respectively.</span></div>The main valuation methods and inputs used in the estimation of the fair value of the financial liabilities in the previous table are detailed in Note 51.c of the consolidated annual accounts for 2025, other than those mentioned in these interim financial statements. <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following is a breakdown of Grupo Santander's financial liabilities, other than the balances corresponding to the Derivatives - hedge accounting heading, as of 30 June 2026 and 31 December 2025, presented by nature and categories for valuation purposes:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:21.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.759%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>held for <br/>trading</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>designated at <br/>fair value through <br/>profit or loss</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities at <br/>amortised cost</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>held for <br/>trading</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities <br/>designated at <br/>fair value through <br/>profit or loss</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial <br/>liabilities at <br/>amortised cost</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,319 </span></td><td style="background-color:#ececec;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,968 </span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:1pt solid #7f160e;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short Positions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,956 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,015 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#acacac;border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99,142 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,164 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,161,212 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,563 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,440 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,072,384 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central banks</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,833 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">435 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,217 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,385 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,086 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,542 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44,141 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,515 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83,615 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,058 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,424 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,692 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,168 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,214 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060,380 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,120 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,930 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">979,150 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,221 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">332,846 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,686 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312,704 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,718 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,096 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></div></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">193,417</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,407</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,543,776</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">171,546</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,148</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,421,184</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 52319000000 51968000000 41956000000 44015000000 99142000000 28164000000 1161212000000 75563000000 30440000000 1072384000000 7833000000 435000000 17217000000 12385000000 3086000000 18542000000 44141000000 1515000000 83615000000 27058000000 1424000000 74692000000 47168000000 26214000000 1060380000000 36120000000 25930000000 979150000000 0 15221000000 332846000000 0 11686000000 312704000000 0 22000000 49718000000 0 22000000 36096000000 193417000000 43407000000 1543776000000 171546000000 42148000000 1421184000000 <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail of the balance of debt instruments issued according to their nature is:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.877%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds and debentures outstanding</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">269,438 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">253,893 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,911 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,859 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Promissory notes and other securities</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,718 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41,638 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total debt instruments issued</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">348,067</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">324,390</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail, at 30 June 2026 and 2025, of the outstanding balance of the debt instruments, excluding promissory notes, which at these dates had been issued by Banco Santander or any other Group entity is disclosed below. Also included is the detail of the changes in this balance in the first six months of 2026 and 2025:</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:36.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.057%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Opening balance as at 01-01-2026</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Perimeter</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issuances or placements</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchases or <br/>redemptions</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Exchange <br/>rate and other <br/>adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Closing balance as at 06-30-26</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds and debentures outstanding</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">253,893 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,874 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,911 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(53,295)</span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,055 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">269,438 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,859 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,696 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,655)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,006 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,911 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bonds and debentures outstanding and subordinated liabilities issued</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">282,752</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,879</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,607</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(54,950)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,061</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">300,349</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:36.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.057%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.343%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Opening balance as at 01-01-2025</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Perimeter</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issuances or placements</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchases or <br/>redemptions</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Exchange <br/>rate and other <br/>adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Closing balance as at 06-30-25</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds and debentures outstanding</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">252,765 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,180 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32,874)</span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12,180)</span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244,891 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated</span></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,461 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">278 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,147)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,641)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,951 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bonds and debentures outstanding and subordinated liabilities issued</span></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">288,226</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,458</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(36,021)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13,821)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">275,842</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 269438000000 253893000000 30911000000 28859000000 47718000000 41638000000 348067000000 324390000000 253893000000 4874000000 59911000000 53295000000 4055000000 269438000000 28859000000 5000000 2696000000 1655000000 1006000000 30911000000 282752000000 4879000000 62607000000 54950000000 5061000000 300349000000 252765000000 0 37180000000 32874000000 -12180000000 244891000000 35461000000 0 278000000 3147000000 -1641000000 30951000000 288226000000 0 37458000000 36021000000 -13821000000 275842000000 701600000 298400000 1500000000 0.0725 P10Y P5Y P5Y 0.02837 1000000000 P12Y 0.99834 0.0425 P7Y P5Y 0.0135 1033400000 1500000000 0.0250 600800000 1500000000 563600000 1000000000 <div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is a comparison between the value by which Grupo Santander’s financial liabilities are recorded that are measured using criteria other than fair value and their corresponding fair value at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:52.205%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.980%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.167%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.980%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,161,212 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,161,811 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,072,384 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,073,147 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">332,846 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333,653 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312,704 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">314,173 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,494,058</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,495,464</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,385,088</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,387,320</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div> 1161212000000 1161811000000 1072384000000 1073147000000 332846000000 333653000000 312704000000 314173000000 1494058000000 1495464000000 1385088000000 1387320000000 49718000000 36096000000 Provisions<div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">a)    Provisions for Pensions and other post-retirements obligations and Other long term employee benefits</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The variation experienced by the balance of the Pensions and other post-retirements obligations and other long-term employee benefits from 31 December 2025 to 30 June 2026, is mainly due to net provisions recognised in equity as a result of changes in financial assumptions and other experience adjustments, partially offset by benefit payments, premiums and contributions (see Note 11.d).</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">b)    Provisions for taxes and other legal contingencies and Other provisions</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Set forth below is the detail, by type of provision, of the balances at 30 June 2026 and at 31 December 2025 of Provisions for taxes and other legal contingencies and Other provisions. The types of provisions were determined by grouping together items of a similar nature:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:74.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.060%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.061%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for taxes</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">763 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">720 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for employment-related proceedings (Brazil)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">801 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">594 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for other legal proceedings</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,739 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,675 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision for customer remediation</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,031 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">826 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision for restructuring</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">534 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">927 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">899 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,795</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,993</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Relevant information is set forth below in relation to each type of provision shown in the preceding table:</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The provisions for taxes include provisions for tax-related proceedings.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The provisions for employment-related proceedings (Brazil) relate to claims filed by trade unions, associations, the prosecutor’s office and ex-employees claiming employment rights to which, in their view, they are entitled, particularly the payment of overtime and other employment rights, including litigation concerning retirement benefits. The number and nature of these proceedings, which are common for banks in Brazil, justify the classification of these provisions in a separate category or as a separate type from the rest. The Group calculates the provisions associated with these claims in accordance with past experience of payments made in relation to claims for similar items. When claims do not fall within these categories, a case-by-case assessment is performed and the amount of the provision is calculated in accordance with the status of each proceeding and the risk assessment carried out by the legal advisers.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The provisions for other legal proceedings include provisions for court, arbitration or administrative proceedings (other than those included in other categories or types of provisions disclosed separately) brought against Grupo Santander companies.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The provisions for customer remediation include mainly the estimated cost of payments to remedy errors relating to the sale of certain products in the UK, as well as the estimated amount related to the floor clauses of Banco Popular Español, S.A.U. To calculate the provision for customer remediation, the best estimate of the provision made by management is used, which is based on the estimated number of claims to be received and, of these, the number that will be accepted, as well as the estimated average payment per case. </span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The provisions for restructuring include only the costs arising from restructuring processes carried out by the various Group companies.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Lastly, the Other heading contains very atomized and individually insignificant provisions, such as the provisions to cover the operational risk of the different offices of the Group.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Qualitative information on the main litigation proceedings affecting the Group is provided in Note 10.c.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group's general policy is to record provisions for tax and legal proceedings in which the Group assesses the chances of loss to be probable and the Group does not record provisions when the chances of loss are possible or remote. Grupo Santander determines the amounts to be provided for as its best estimate of the expenditure required to settle the corresponding claim based, among other factors, on a case-by-case analysis of the facts and the legal opinion of internal and external counsel or by considering the historical average amount of the loss incurred in claims of the same nature. The definitive date of the outflow of resources embodying economic benefits for the Group depends on each obligation. In certain cases, the obligations do not have a fixed settlement term and, in others, they depend on legal proceedings in progress.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">With respect to changes in provisions in the first six months of 2026, for employment and other legal proceedings, in Brazil, provisions of EUR 361 million and EUR 138 million were recorded, making payments of EUR 210 million and EUR 91 million, respectively.</span></div><div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">c)    Litigation and other matters</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">i. Tax-related litigation </span></div><div style="margin-bottom:9pt;padding-left:21.25pt;text-align:justify;text-indent:14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 30 June 2026 the main tax-related proceedings concerning the Group were as follows:</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Legal actions filed by Banco Santander (Brasil) S.A. and other Group entities to avoid the application of Law 9.718/98, which modifies the basis to calculate Programa de Integraçao Social (PIS) and Contribuição para Financiamento da Seguridade Social (COFINS), extending it to all the entities income, and not only to the income from the provision of services. In relation of Banco Santander (Brasil) S.A. process, in 2015 the Federal Supreme Court (FSC) admitted the extraordinary appeal filed by the Federal Union regarding PIS, and dismissed the extraordinary appeal lodged by the Brazilian Public Prosecutor's Office regarding COFINS contribution, confirming the decision of Federal Regional Court favourable to Banco Santander (Brasil) S.A. of August 2007. The Federal Supreme Court also admitted the appeals related to the other Group entities both for PIS and COFINS. On June 13, 2023, the Federal Supreme Court ruled unfavorably two cases through General Repercussion (Theme 372), including Banco Santander (Brasil) S.A. case. The Bank has filed a new appeal, considering the possible loss as a contingent liability. The cases of the other Group entities are no longer susceptible of appeal and a provision has been recognized for the amount of the estimated loss.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. and other Group companies in Brazil have appealed against the assessments issued by the Brazilian tax authorities questioning the deduction of loan losses in their income tax returns (Imposto sobre a Renda das Pessoas Jurídicas - IRPJ - and Contribuçao Social sobre o Lucro Liquido -CSLL-) in relation to different administrative processes of various years on the ground that the requirements under the applicable legislation were not met. The appeals, which involve several cases, are pending decision in different administrative and judicial instances. No provision was recognised in connection with the amount considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. and other Group companies in Brazil are involved in administrative and legal proceedings against several municipalities that demand payment of the Service Tax on certain items of income from transactions not classified as provisions of services. There are several cases in different judicial instances. A provision was recognised in connection with the amount of the estimated loss.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. and other Group companies in Brazil are involved in administrative and legal proceedings against the tax authorities in connection with the taxation for social security purposes of certain items which are not considered to be employee remuneration. There are several cases in different judicial instances. A provision was recognised in connection with the amount of the estimated loss.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">In May 2003 the Brazilian tax authorities issued separate infringement notices against Santander Distribuidora de Títulos e Valores Mobiliarios, Ltda. (DTVM, actually Santander Brasil Tecnología S.A.) and Banco Santander (Brasil) S.A. in relation to the Provisional Tax on Financial Movements (Contribuição Provisória sobre Movimentação Financeira) of the years 2000 to 2002. The administrative discussion ended unfavourably for both companies, and on July 3, 2015, filed a lawsuit requesting the cancellation of both tax assessments. The lawsuit was judged unfavourably in first instance. Therefore, both plaintiffs appealed to the court of second instance. In December 2020, the appeal was decided unfavourably, and the judgement was appealed before the higher courts. This case fell within the scope of the Comprehensive Transaction Programme (Programa de Transaçao Integral) established by the Ministry of Finance, and in 2025 a final settlement was reached. The amounts paid under the terms of the Transaction were fully provisioned.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">In December 2010 the Brazilian tax authorities issued an infringement notice against Santander Seguros S.A. (Brasil), (currently Zurich Santander Brasil Seguros e Previdência S.A.), as the successor by merger to ABN AMRO Brasil dois Participações S.A., in relation to income tax (IRPJ and CSLL) for 2005, questioning the tax treatment applied to a sale of shares of Real Seguros, S.A. The administrative discussion ended unfavourably, and the CARF decision has been appealed at the Federal Justice. As the former parent of Santander Seguros S.A. (Brasil) (currently Zurich Santander Brasil Seguros e Previdência S.A.), Banco Santander (Brasil) S.A. is liable in the event of any adverse outcome of this proceeding. No provision was recognised in connection with this proceeding as it is considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">In November 2014 the Brazilian tax authorities issued an infringement notice against Banco Santander (Brasil) S.A. in relation to corporate income tax (IRPJ and CSLL) for 2009 questioning the tax-deductibility of the amortisation of the goodwill of Banco ABN AMRO Real S.A. performed prior to the absorption of this bank by Banco Santander (Brasil) S.A., but accepting the amortisation performed after the merger. The Bank appealed before the Higher Chamber of CARF, and a final favourable decision was obtained in April 2024. No provision was recognised in connection with this proceeding as it was considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. has also appealed against infringement notices issued by the tax authorities questioning the tax deductibility of the amortisation of the goodwill arising on the acquisition of Banco Comercial e de Investimento Sudameris S.A from years 2007 to 2012. In May and October 2024, the appeal related to period 2009 to 2012 was finally rejected by the CARF and the resolution was appealed at the Federal Justice. No provision was recognised in connection with this matter as it was considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. and other companies of the Group in Brazil are undergoing administrative and judicial procedures against Brazilian tax authorities for not admitting tax compensation with credits derived from other tax concepts, not having registered a provision for the amount considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. is involved in appeals in relation to infringement notices initiated by tax authorities regarding the offsetting of tax losses in the CSLL of year 2009 and 2019. The appeals are pending decision at the administrative level. No provision was recognised in connection with this matter as it is considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. filed a suspensive judicial measure aiming to avoid the withholding income tax (Imposto sobre a Renda Retido na Fonte - IRRF), on payments derived from technology services provided by Group foreign entities. A favorable decision was handed down and an appeal was filed by the tax authority at the Federal Regional Court. The Regional Court has issued a decision upholding the tax authorities' appeal, which has subsequently been challenged by the Bank. No provision was recognized as it is considered to be a contingent liability.</span></div><div style="padding-left:35.43pt;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander (Brasil) S.A. filed a lawsuit to exclude the income earned on compulsory deposits held with the Central Bank of Brazil (BACEN) from the PIS and COFINS tax base. In 2024, a favorable decision was rendered, which was appealed by the National Treasury. A provision was recognized for the amounts involved.</span></div><div style="text-indent:-3.26pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Brazilian tax authorities have issued infringement notices against Getnet Adquirência e Serviços para Meios de Pagamento S.A and Banco Santander (Brasil) S.A. as jointly liable in relation to corporate income tax (IRPJ and CSLL) for 2014 to 2018 questioning the tax-deductibility of the amortization of the goodwill from the acquisition of Getnet Tecnologia Proces S.A., considering that the company would not have complied with the legal requirements for such amortization. The tax assessment notices were appealed to the CARF. In 2024, the CARF issued a favourable partial decision on both infraction notices. In December 2024, the tax authorities issued a new infringement notice for 2019 and 2020. No provision was recognized as it is considered to be a contingent liability. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The total amount for the aforementioned Brazil lawsuits that are fully provisioned is EUR 852 million, and for lawsuits that qualify as contingent liabilities is EUR 5,507 million.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At the date of approval of these interim financial statements, there are other less significant tax disputes.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">ii. Non-tax-related proceeding</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">s</span></div><div style="margin-bottom:9pt;padding-left:21.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 30 June 2026 the main non-tax-related proceedings concerning the Group were as follows:</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Payment Protection Insurance (PPI): AXA France IARD and AXA France Vie (former GE Capital Corporation Group entities, known as Financial Insurance Company Ltd (FICL) and Financial Assurance Company Ltd (FACL), acquired by AXA SA in 2015) (together, AXA France) brought a claim against (i) Santander Cards UK Limited (formerly known as GE Capital Bank Limited (GECB), which was acquired by Banco Santander, S.A. in 2008 and subsequently transferred to Santander UK plc); and (ii) Santander Insurance Services UK Limited (a Banco Santander, S.A. subsidiary) (SISUK and together with GECB the Santander Entities). The claim relates to the allocation of liability for compensation and associated costs in respect of a large number of PPI policies distributed by GECB pre-2005, which were underwritten by FICL and FACL.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 25 July 2025, the Commercial Court of England and Wales handed down its judgment in relation to the claim brought by AXA France (the Judgment). It found against SISUK in relation to AXA France’s claim pursuant to an indemnity in an agency agreement entered into between GECB, FICL and FACL in 2000 and novated by GECB to SISUK in 2010. It also found GECB negligent in the sale of PPI policies, but this element of the claim was time barred to PPI policies sold in the period between 2002 and 2005 and overlaps with the indemnity claim. The Judgment required the Santander Entities to pay GBP 515 million plus interest of GBP 162 million. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In October 2025 the Santander Entities obtained permission to appeal the findings in the Judgment relating to the application of the indemnity arising from PPI sales occurring before the indemnity had been agreed in December 2000 (Santander Appeal).  In January 2026, AXA France obtained permission to cross-appeal the Commercial Court’s rejection of AXA France’s contribution claim made under the Civil Liability (Contribution) Act 1978 (the AXA France’s cross appeal). A decision on the Santander Appeal and AXA France’s cross appeal is expected in the second half of 2026.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">With respect to the Santander Appeal and AXA France’s cross-appeal, there are points of legal interpretation to be resolved and, in the case of the cross-appeal, factual points to be determined. The significant uncertainties make it difficult to predict the timing or the final impact of the resolution of the appeals for the Group. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">No customers have suffered loss as a consequence of the claim brought by AXA France or the Judgment, nor does it impact upon past redress paid to customers for PPI complaints. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Motor Finance Broker Commissions: following the Financial Conduct Authority’s (FCA) Motor Market review in 2019 which resulted in a change in rules in January 2021, Santander Consumer (UK) plc (SCUK) received several of county court claims and complaints in respect of its historical use of discretionary commission arrangements (DCAs) prior to the 2021 rule changes. In January 2024, the FCA commenced a review of the use of DCAs between lenders and credit brokers (the FCA Review). Pending the conclusion of its review, the FCA paused the handling of motor finance commission related complaints. The pause is in place until 31 May 2026, reflecting the extended timeline of the FCA's Review and subsequent Consultation (see below). A claim was issued against SCUK, Santander UK plc and others in the Competition Appeal Tribunal (CAT), alleging that SCUK’s historical DCAs in respect of used car financing operated in breach of the Competition Act 1998. These proceedings have been stayed until the end of December 2026 reflecting the timeline of the challenges to the FCA's final redress scheme published on 30 March 2026 (as is explained below).</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Santander UK group Holdings recognised a provision of GBP 293.0 million (EUR 353.3 million) in its financial results for 2024 following a decision of the Court of Appeal in Hopcraft, Wrench and Johnson (Hopcraft) stating that motor dealers acting as credit brokers owed fiduciary or disinterested duties to their customers. On 1 August 2025, the Supreme Court overturned this decision finding that commission payments by lenders to motor dealers would not be unlawful on that basis. In addition, the Supreme Court held that an unfair relationship under s.140A of the Consumer Credit Act 1974 had arisen in one of the cases on its facts and awarded the amount of the commission paid by the lender plus interest at a commercial rate as the remedy. It also confirmed that the test for unfairness of the relationship with borrower was highly fact sensitive and it outlined a series of non-exhaustive factors to consider in assessing unfair relationships in this context (indicating that no or partial disclosure was not necessarily enough on its own to constitute an unfair relationship). </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following the Supreme Court’s judgment, on 3 August 2025, the FCA announced that it aimed to publish a consultation on an industry wide redress scheme in early October and that this consultation would be open for six weeks. In early September 2025, the appeal to the Court of Appeal of the High Court’s judicial review of a final decision by the Financial Ombudsman Service against another lender (which alongside the Supreme Court case was highly relevant to the outcome of the FCA’s Review) was discontinued.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Santander UK increased its provision to GBP 461 million (EUR 528.1 million) in its financial results for 2025, further to the publication of the FCA’s consultation paper on 7 October 2025 regarding a proposed industry-wide motor finance consumer redress scheme (the Consultation). This was based on a range of scenarios and assumptions, reflecting an increased likelihood that a higher number of cases than previously predicted could be eligible for redress, that the FCA would seek to impose a remedy that extended beyond reversing any damaging financial consequences caused by any unfair relationships and potential changes to the proposed scheme following responses to the Consultation or publication of the FCA’s final scheme rules.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 30 March 2026, the FCA published its Policy Statement PS26/3: Motor finance consumer redress scheme. Following its assessment of the final scheme rules, which included several changes to the proposals in the Consultation, Santander UK group decided not to challenge the scheme and to focus on its implementation in order to bring greater certainty to its customers. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Santander UK updated its scenarios and assumptions including operational and legal costs to reflect the final scheme rules. This resulted in an additional charge of GBP 179 million (EUR 207 million), increasing the total provision to GBP 633 million (EUR 725 million), at the upper end of the previously assessed range.</span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Applications have been made by certain lenders and a consumer group to challenge aspects of the scheme before the Upper Tribunal. On 1 July 2026, the Tribunal made orders providing for the management of those proceedings and partially suspending certain elements of the scheme including sending communications to affected customers and making compensation payments pending determination of the challenges. The substantive hearing is expected to take place by Q1 2027. </span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 30 June 2026, Santander UK has a provision of GBP 623 million (EUR 724 million) corresponding to the existing provision at the end of previous quarter after utilization of costs incurred to date. </span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">As a result, the legal and regulatory outcomes, and the nature, extent and timing of any remediation action remain uncertain.</span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Given the existing uncertainties, including those relating to the potential implementation of the scheme and the outcome of the challenges, the final financial impact of this matter could differ from the provision recorded as of the reporting date.</span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Banco Popular´s acquisition: after the declaration of the resolution of Banco Popular, some investors filed claims against the EU’s Single Resolution Board decision, and the FROB's resolution executed in accordance with the aforementioned decision. Likewise, numerous civil lawsuits were filed against Banco Santander, S.A. alleging that the information provided by Banco Popular was erroneous and requesting from Banco Santander, S.A. the restitution of the price paid for the acquisition of the investment instruments or, where appropriate, the corresponding compensation.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In relation to the direct appeals filed before the General Court of the European Union (EGC) and the Court of Justice of the European Union (CJEU), all appeals were either dismissed or discontinued. Currently, there are no ongoing appeals. On 4 February 2026, the National Court issued its first rulings dismissing the actions brought against the FROB’s decision, in application of the judgments of the EGC and the CJEU.</span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In the civil proceedings, several Spanish judges referred to the CJEU a number of preliminary questions that have already been resolved. In particular, in the judgments of 5 May 2022 (C-410/20) and 5 September 2024 (C-775/22, C-779/22, C-794/22), the CJEU stated that Directive 2014/59/EU on bank resolution prevents shareholders, subordinated debt holders, and holders of equity instruments converted into shares bringing actions against a financial institution subject to a resolution proceeding or against its successor after the resolution, claiming liability for the information contained in the prospectus, under Directive 2003/71/EC, or actions seeking the nullity of the contract of subscription of capital instruments, which, given its retroactive effects, would result in the refund of the value of such securities, plus the interest accrued as of the date of execution of the contract. In its 11 September 2025 resolutions (C-687/23 and C-447/23), the CJEU declared that the above referred TJUE resolutions do not apply to actions pursued prior to the entity’s resolution. There are currently no other preliminary questions under consideration. </span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 4 March 2024, in the context of preliminary proceedings 42/2017, the Central Court of Instruction No. 4 issued a ruling transforming the proceedings into Summary Proceedings and terminating the investigation phase. The ruling considers that the circumstantial evidence resulting from the investigation which could constitute a crime is basically the following: (i) an alleged misrepresentation in the prospectus of the 2016 capital increase of Banco Popular; (ii) an alleged misrepresentation in the annual accounts of Banco Popular for 2015, the interim financial statements for 2016 and the annual accounts for 2016; and (iii) the offer to the market of a distorted amount of regulatory capital, after the capital increase of 2016 (for allegedly having been granted by Banco Popular financing to clients for the subscription of shares in the aforementioned capital increase, without discounting it from the regulatory capital). According to the aforementioned ruling, these facts could constitute the crimes of fraud of investors (art. 282 of the Criminal Code) and accounting falsehood (art. 290 of the Criminal Code). All appeals filed against the ruling have been dismissed. </span></div><div style="padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The accusing parties, including the Public Prosecutor's Office, filed their indictment briefs on 28 October 2024, which included requests for compensation for civil liability and the request that not only the defendants but also several entities are held liable for such compensation, including Banco Santander, S.A., the auditing firm and several insurance companies. Following the filing of the indictment briefs, on 22 November 2024, the Court (Investigating Judge) issued an order for the opening of the oral trial against the defendants and civil liability parties, including Banco Santander, S.A. as a possible civil liable party. However, in line with what was determined by the Spanish National Court and confirmed by the Supreme Court concerning the hypothetical succession of Banco Popular by Banco Santander, S.A., the oral trial has not been opened against the Bank as possible direct civil liable party. Regarding civil liability, the Bank considers that it has no subsidiary civil liability, in light of the CJEU’s judgments of 5 May 2022 (C-410/20), 5 September 2024 (C-775/22, C-779/22, C-794/22) and 11 September 2025 (C-687/23 and C-447/23). Notwithstanding the foregoing, in its 5 October 2022 ruling, the Spanish National Court has stated that this issue shall be resolved within the ongoing proceedings. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The order to open the oral trial states that the plaintiffs have requested compensation for civil liability for a total amount of EUR 2,277.65 million. Additionally, the order rejects the imposition of the guarantee requested by several of the accusing parties, considering that it is unnecessary to secure the outcome of the trial. The defendants and potential civil liable parties submitted their defense writs on 4 February 2025. On 2 March 2026, the order admitting the evidence was issued, and the oral hearing was scheduled to take place from 19 January to 30 June 2027. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The estimated cost of any compensation to shareholders and bondholders of Banco Popular recognized in the 2017 accounts amounted to EUR 680 million, of which EUR 535 million were applied to the commercial loyalty program. On 15 December 2024, Banco Santander, S.A., proceeded to redeem in advance voluntarily all bonds in circulation regarding such commercial action. The CJEU judgements of 5 May 2022 (C-410/20), 5 September 2024 (C-775/22, C-779/22, C-794/22) and 11 September 2025 (C-687/23 and C-447/23) referred above, represented a very significant reduction in the risk associated with these claims.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">German shares investigation: the Bank and other group entities based in the UK - Santander UK plc, Santander Financial Services Plc and Cater Allen International Limited- are involved in investigation and supervisory proceedings conducted by the competent German authorities, in relation to a particular type of tax dividend linked transactions known as cum-ex transactions.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group is cooperating with the German authorities. According to the state of the investigations, the result, and the effects for the Group, which may potentially include the imposition of material financial consequences (penalties, and/or disgorgement of proceeds) cannot be reliably anticipated. For this reason, the Group has not recognized any provisions in relation to the potential imposition of financial liabilities.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander was sued in a legal proceeding in which the plaintiff alleges that the Banco Santander breached his contract as CEO of the institution: in the lawsuit, the claimant mainly requested a declaratory ruling upholding the existence, validity and effectiveness of such contract and its enforcement together with the payment of certain amounts. For the case that the main request is not granted, the claimant sought a compensation for a total amount of approximately EUR 112 million or, an alternative relief for other minor amounts. Banco Santander answered to the legal action stating that the conditions to which the appointment of that position was subject to were not met; that the executive services contract required by law was not concluded; and that in any case, the parties could terminate the contract without any justified cause. On 17 May 2021, the plaintiff reduced his claims for compensation to EUR 61.9 million. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 9 December 2021, the Court upheld the claim and ordered the Bank to compensate the claimant in the amount of EUR 67.8 million. By court order of 13 January 2022, the Court corrected and supplemented its judgment, reducing the total amount to be paid by the Bank to EUR 51.4 million and clarifying that part of this amount (EUR 18.6 million buy out) was to be paid under the terms of the offer letter, i.e., entirely in Banco Santander shares, within the deferral period for this type of remuneration at the plaintiff's former employer and subject to the performance metrics or parameters of the plan in force at the Bank, which was that of 2018. As explained in note 5 of the report of the consolidated annual accounts of the year 2022, the degree of performance of these objectives was 33.3%.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Bank filed an appeal against the judgment before the Madrid Court of Appeal, which was opposed by the plaintiff. At the same time, the plaintiff filed an application for provisional enforcement of the judgment in the First Instance Court. A court order was issued ordering enforcement of the judgment, and the Bank deposited in the court bank account the full amount provisionally awarded to the claimant, including interest, for an approximate sum of EUR. 35.5 million, within the voluntary compliance period.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 6 February 2023, Banco Santander was notified with the judgment of 20 January 2023 by which the Madrid Court of Appeal partially upheld the appeal filed by the Bank. The judgment has reduced the amount to be paid by EUR 8 million, which, to the extent that this amount was already paid in the provisional partial enforcement of the judgement of first instance court, must be returned to the Bank together with other amounts for interest, which the appeal judgement also rejects. The plaintiff deposited circa EUR 9.6 million. This amount was received by the Bank on 11 July 2023. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 11 April 2023, the Bank filed an extraordinary appeal for procedural infringement and an appeal in cassation against the Madrid Court of Appeal’s judgment before Spanish Supreme Court. The extraordinary and cassation appeals submitted by the Bank were accepted on 26 March 2025 and are pending to be resolved. Existing provisions cover the estimated risk of loss.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">CHF Polish Mortgage Loans (Santander Consumer Bank Poland): in October 2019, the CJEU rendered its decision in relation to the effects of the potential unfairness of certain contractual clauses in CHF-Indexed loan agreements. The CJEU established that it for the national courts to determine the invalidity of a contract where it cannot be maintained without the clause declared unfair and where no supplementary provisions exist that would allow the contract to be maintained. Subsequently, in June 2023, the CJEU confirmed that the effects of such invalidity must be determined in accordance with national law, interpreted in the light of Directive 93/13/EEC, and that claims by financial institutions exceeding the reimbursement of the loan principal and, where applicable, default interest, are contrary to the objectives of that Directive.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In April 2024, the Civil Chamber of the Polish Supreme Court issued a judgment confirming that clauses relating to the mechanism for determining the exchange rate declared abusive cannot be replaced by alternative provisions and that, in the absence of a binding exchange rate, the contract is not enforceable for the parties. With regard to the effects of invalidity, the Supreme Court confirmed the existence of independent restitution claims for each party and ruled out the possibility of claiming interest or other amounts for the use of the funds. Nevertheless, certain aspects of this judgment have been subject to internal debate within the Supreme Court itself, reflecting the complexity and evolving nature of the jurisprudential framework.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In this context, Santander Consumer Bank S.A. estimates legal risk using a model that considers different possible outcomes and regularly review court rulings on this matter in order to assess changes in case law, including the impact of the aforementioned Supreme Court judgment. Settlements are being reached both with customers who have already initiated legal proceedings and with customers who have not yet filed a claim. The model used to calculate provisions for legal risks considers the evolution and expected development of such settlements.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">As of 30 June 2026, Santander Consumer Bank S.A. (Poland), held a portfolio of mortgages denominated in or indexed to CHF amounting to approximately PLN 523.4 million (EUR 123.9 million). As of the same date, the total amount adjusted against the gross carrying amount of loans in accordance with IFRS 9, together with the provisions recognised under IAS 37, amounts to PLN 775.1 million (EUR 180.4 million), of which PLN 410.1 million (EUR 95.4 million) corresponds to adjustments to the gross carrying amount under IFRS 9 and PLN 365.0 million (EUR 84.9 million) to provisions recognised under IAS 37. The adjustment to gross carrying amount in accordance with IFRS9 and under IAS 37 during the first 6 months of 2026 are not material. Other costs related to the dispute amounted to PLN 62.3 million (EUR 14.7 million). </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group continues to monitor the evolution of legal proceedings and to periodically review the adequacy of the provisions recognised, which represent the best estimate of the risk existing as of 30 June 2026.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Banco Santander Mexico: dispute regarding a testamentary trust constituted in 1994 by Mr. Roberto Garza Sada in Banca Serfin (currently Santander Mexico) in favor of his four sons in which he affected shares of Alfa, S.A.B. de C.V. (respectively, Alfa and the Trust). During 1999, Mr. Roberto Garza Sada instructed Santander México in its capacity as trustee to transfer 36,700,000 shares from the Trust's assets to his sons and daughters and himself. These instructions were ratified in 2004 by Mr. Roberto Garza Sada before a Notary Public. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-3.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%"> Mr. Roberto Garza Sada passed away on 14 August 2010 and subsequently, in 2012, his daughters filed a complaint against Santander Mexico alleging it had been negligent in its trustee role. The lawsuit was dismissed at first instance in April 2017 and on appeal in 2018. In May 2018, the plaintiffs filed an appeal (recurso de amparo) before the First Collegiate Court of the Fourth Circuit based in Nuevo León, which ruled in favor of the plaintiffs on 7 May 2021, annulling the 2018 appeal judgment and condemning Santander Mexico to the petitions claimed, consisting of the recovery of the amount of 36,700,000 Alfa shares, together with dividends, interest and damages.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Since 2021, Santander Mexico has filed before the Supreme Court of Justice of the Nation a constitutional review challenge (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">recurso de revisión constitucional</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">) against the referred decision which was initially rejected by the Supreme Court; and several appeals (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">recursos de reclamación</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">) against such rejection. On 25 June 2025, one of the appeals filed by the Bank was accepted, and this decision was extended to a remaining one, which will now be resolved. In case that these appeals are resolved favorably to the Bank, the Supreme Court will decide on the merits of the constitutional review against the judgment which condemned the Bank.</span></div><div style="padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In parallel to the foregoing, the Bank also filed an amparo against the judgment favorable to the plaintiffs rendered by the First Collegiate Court of the Fourth Circuit in the State of Nuevo León before the Collegiate Courts of such State. In April 2026, the Supreme Court of Justice of the Nation admitted the request filed by the Bank in 2024 to hear and resolve the amparo appeal. </span></div><div style="padding-left:35.43pt;text-align:justify"><span><br/></span></div><div style="padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The challenges and appeals filed by the Bank imply that the judgment rendered in favour of the plaintiffs is not final, and Santander México believes that the actions taken should prevail and reverse the decision against it. The impact of a potential unfavorable resolution for Santander México will be determined in a subsequent proceeding and will also depend on the additional actions that Santander México may take in its defense, so it is not possible to reliably determine it at this time. At the current stage of the proceedings, the provisions recorded are considered sufficient to cover the risks deriving from this claim.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Mortgage Expenses: In December 2015 the Spanish Supreme Court ruled that mortgage clauses relating to the payment of fees associated to formalizing the mortgage were abusive. On 27 November 2018, the Supreme Court agreed that the taxpayer of the documented legal acts stamp duty tax (IAJD) on the mortgage loans should be the borrower. On 9 November 2018, RDL 17/2018 came into force and modified the Law of the IAJD, establishing that the taxpayer is the Bank. On 23 January 2019, the Supreme Court ruled the distribution of the same must be 50% between the Bank and the borrower in public notary expenses and agency expenses. The Supreme Court also ruled that the Bank must pay 100% of the Registry. On 26 October 2020, the Supreme Court ruled that the Bank is fully responsible for the management expenses; and on 27 January 2021, the Supreme Court ruled that the Bank is also responsible for the valuation expenses. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The CJEU judgment of 25 January 2024 established that, for the purposes of calculating the limitation period, it is necessary that the consumer is aware of their rights and of the possibility that their clause may be null and void. The CJEU also stated that it cannot be presumed that the consumer has knowledge of national case law on consumer rights, even if such case law is well established. The CJEU judgment of 25 April 2024, while declaring that the specific judgment declaring the nullity of the clause constitutes an appropriate moment for the limitation period to commence, added that this is without prejudice to the professional’s ability to prove that the consumer had, or could reasonably have had, knowledge of the unfair nature of the clause in question prior to that decision being issued. The Spanish Supreme Court, in its judgment of 14 June 2024, confirmed that the commencement of the limitation period requires the professional to prove, in each individual case, that the consumer was aware of the unfair nature of the clause, providing specific evidence regarding their dealings with that consumer. The recorded provision includes the best estimate of Group’s liability for this matter.</span></div><div style="margin-bottom:9pt;padding-left:21.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Banco Santander, S.A. and the other Group companies are subject to claims and, therefore, are party to certain legal proceedings incidental to the normal course of their business including those in connection with lending activities, relationships with employees and other commercial or tax matters additional to those referred to here.</span></div><div style="margin-bottom:9pt;padding-left:21.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">With the information available to it, the Group considers that, at 30 June 2026, it had reliably estimated the obligations associated with each proceeding and had recognized, where necessary, sufficient provisions to cover reasonably any liabilities that may arise as a result of these tax and legal risks. Those cases in which provisions have been registered but are not disclosed are justified on the basis that it would be prejudicial to the proper defense of the Group. Subject to the qualifications made, the Group believes that any liability arising from such claims and proceedings will not have, overall, a material adverse effect on the Group’s business, financial position, or results of operations.</span></div> <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Set forth below is the detail, by type of provision, of the balances at 30 June 2026 and at 31 December 2025 of Provisions for taxes and other legal contingencies and Other provisions. The types of provisions were determined by grouping together items of a similar nature:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:74.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.060%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.061%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for taxes</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">763 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">720 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for employment-related proceedings (Brazil)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">801 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">594 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions for other legal proceedings</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,739 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,675 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision for customer remediation</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,031 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">826 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision for restructuring</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">534 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">927 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">899 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,795</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,993</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 763000000 720000000 801000000 594000000 1739000000 1675000000 1031000000 826000000 534000000 279000000 927000000 899000000 5795000000 4993000000 361000000 138000000 210000000 91000000 2 0 0 0 0 0 0 0 0 852000000 5507000000 515000000 162000000 293000000.0 353300000 461000000 528100000 179000000 207000000 633000000 725000000 623000000 724000000 2277650000 680000000 535000000 0 112000000 61900000 67800000 51400000 18600000 0.333 35500000 8000000 9600000 523400000 123900000 775100000 180400000 410100000 95400000 365000000.0 84900000 62300000 14700000 4 36700000 36700000 0.50 1 Equity<div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In the six-month periods ended 30 June 2026 and 2025 there were no quantitative or qualitative changes in Grupo Santander's equity other than those indicated in the condensed consolidated statements of changes in total equity.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">a)    Capital </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Banco Santander's share capital at 30 June 2026 and 31 December 2025 consisted of EUR 7,345 million, represented by 14,689,319,502 shares of EUR 0.50 of nominal value each</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%"> and all of them of a unique class and series.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">b)    Share premium </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Includes the amount paid by the bank's shareholders in capital issuances in excess of par value.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">c) Breakdown of other comprehensive income - Items not reclassified to profit or loss and Items that may be reclassified to profit or loss</span></div><div style="margin-bottom:9pt;padding-left:17.86pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.750%"><tr><td style="width:1.0%"></td><td style="width:67.849%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.425%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.426%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other comprehensive income accumulated</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(33,913)</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(37,974)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> Items not reclassified to profit or loss</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,160)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,121)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains or losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,895)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,896)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other valuation adjustments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">744 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(250)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inefficacy of fair value hedges of equity instruments measured at fair value with changes<br/> in other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value with changes<br/> in other comprehensive income (hedged item)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">253 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">208 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value with changes<br/> in other comprehensive income (hedging instrument)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(253)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(208)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of financial liabilities measured at fair value through profit or loss<br/> attributable to changes in credit risk</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">  Items that may be reclassified to profit or loss</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(30,753)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(33,853)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investments in foreign operations (effective portion)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,181)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,343)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(21,864)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25,475)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives (effective portion)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(577)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(372)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging instruments (items not designated)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(590)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(307)</span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(395)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:17.86pt;padding-right:4.54pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">d) Other comprehensive income – Items not to be reclassified to profit or loss – Actuarial gains or losses on defined benefit pension plans.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The balance of the heading Other accumulated comprehensive income - Items not reclassified to profit or loss - Actuarial gains or losses on defined benefit pension plans, includes the actuarial gains or losses and the return on the assets assigned to the plan, less administration costs and plan's own taxes, and any change in the effects of the asset limit, excluding amounts included in net interest on net defined benefit liability (asset). Its variation is shown in the consolidated condensed statement of recognized income and expense.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">During the first six months of 2026, the amount of actuarial losses (net of actuarial gains) has increased by EUR 159 million. The main impacts are:</span></div><div style="margin-bottom:9pt;text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In first place, due to the higher addition against equity amounting to EUR 37 million, with the following breakdown:</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-indent:-14.18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Increase</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%"> of EUR 48 million in the accumulated actuarial losses relating to the Group´s entities in the United Kingdom, mainly due to the evolution of the asset portfolio, experience adjustments and movements in long-term inflation -increase from 2.90% to 2.96%- partially offset by movements in the discount rate -increase from 5.58% to 5.92%-.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Decrease of EUR 11 million in the cumulative actuarial losses relating to the Group's businesses in other geographical areas. </span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In second place, due to the evolution of exchange rates, a EUR 122 million increase, mainly due to the appreciation of the Brazilian real and the sterling pound.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;padding-right:4.5pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">e) </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">Other comprehensive income - Items not reclassified to profit or loss – Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Includes the net amount of unrealised fair value changes in equity instruments at fair value with changes in other comprehensive income.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below is a breakdown of the composition of the balance as of 30 June 2026 and 31 December 2025 under 'Other comprehensive income - Items not reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income' depending on the geographical origin of the issuer:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:24.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.047%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Domestic</span></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Spain</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">56 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(383)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(327)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">117 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,326)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,279)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">133 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">International</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">262 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(31)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">231 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,669 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(81)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">186 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">United States</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1.00)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">America and rest of the world</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">818 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">818 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,781 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,013 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,013 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,926 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,159</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(415)</span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">744</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,602</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,158</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,408)</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(250)</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,281</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Listed</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,022 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(58)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">964 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,328 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,033 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(49)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">984 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,993 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Unlisted</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">137 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(357)</span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(220)</span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">274 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">125 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,359)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,234)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">288 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;padding-right:4.5pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">f) Other comprehensive income - Items that may be reclassified to profit or loss – Hedges of net investments in foreign operations (effective portion) and exchange differences</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Other comprehensive income - Items that may be reclassified to profit or loss - Hedges of net investments in foreign operations (effective portion) includes the net amount of the changes in value of hedging instruments in hedges of net investments in foreign operations, in respect of the portion of these changes considered to be effective hedges.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences includes the net amount of exchange differences arising on non-monetary items whose fair value is adjusted against equity and the differences arising on the translation to euros of the balances of the consolidated entities whose functional currency is not the euro.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The net variation of both headings recognised during the first six months of 2026 in the interim condensed consolidated statement of recognised income and expenses, reflects the impact of the evolution of the currencies during the year, reflecting mainly the general appreciation of the currencies Brazilian real, Mexican peso, US dollar, Argentine peso and Pound sterling (see Note 1.e).</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Of this variation, a capital gain of EUR 395 million corresponds to the valuation at the closing exchange rate of goodwill for the first six months of 2026 (see Note 8). </span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:14.17pt;padding-right:4.5pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">g) Other comprehensive income – Items that may be reclassified to profit or loss – Changes in the fair value of debt instrument</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">s measured at fair value through other comprehensive income - Loans and advances and debt instruments</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Includes the net amount of unrealised fair value changes in debt instruments- loans and advances and debt instruments- at fair value through other comprehensive income.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below is a breakdown of the composition of the balance as of 30 June 2026 and 31 December 2025 under Other comprehensive income - Items that may be reclassified to profit or loss - Changes in the fair value of debt instruments measured at fair value through other comprehensive income depending on the type of instrument:</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.606%"><tr><td style="width:1.0%"></td><td style="width:26.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.625%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.627%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR Million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td><td style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 </span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">289 </span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(891)</span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(602)</span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">364 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(834)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(470)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail of Debt instruments depending on the geographical origin of the issuer is as follows:</span></div><div style="margin-bottom:9pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:24.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.046%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation gains</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation losses</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Net revaluation gains/(losses)</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Fair value</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation gains</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation losses</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Net revaluation gains/(losses)</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Fair value</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued by public Public-sector</span></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">      Spain</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,447 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">10,142 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">      Rest of Europe </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(42)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,484 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,469 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">      America and rest of the world </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">105 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(645)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(540)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,044 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">109 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(528)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(419)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">31,685 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued by Private-sector</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">376 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,045 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">28 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,672 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">America and rest of the world</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(194)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(182)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,671 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">40 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(249)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(209)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,961 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">289</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(891)</span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(602)</span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,970</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">364</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(834)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(470)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,305</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 7345000000 7345000000 14689319502 14689319502 0.50 0.50 Breakdown of other comprehensive income - Items not reclassified to profit or loss and Items that may be reclassified to profit or loss<div style="margin-bottom:9pt;padding-left:17.86pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.750%"><tr><td style="width:1.0%"></td><td style="width:67.849%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.425%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.426%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other comprehensive income accumulated</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(33,913)</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(37,974)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> Items not reclassified to profit or loss</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,160)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,121)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains or losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,895)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,896)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other valuation adjustments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">744 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(250)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inefficacy of fair value hedges of equity instruments measured at fair value with changes<br/> in other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value with changes<br/> in other comprehensive income (hedged item)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">253 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">208 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value with changes<br/> in other comprehensive income (hedging instrument)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(253)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(208)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of financial liabilities measured at fair value through profit or loss<br/> attributable to changes in credit risk</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">  Items that may be reclassified to profit or loss</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(30,753)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(33,853)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investments in foreign operations (effective portion)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,181)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,343)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(21,864)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25,475)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives (effective portion)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(577)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(372)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging instruments (items not designated)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(590)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 12.25pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(307)</span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(395)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div> -33913000000 -37974000000 -3160000000 -4121000000 -3895000000 -3896000000 0 56000000 6000000 1000000 0 0 744000000 -250000000 0 0 253000000 208000000 -253000000 -208000000 -15000000 -32000000 -30753000000 -33853000000 -8181000000 -7343000000 -21864000000 -25475000000 154000000 333000000 -577000000 -372000000 22000000 -11000000 0 -590000000 -307000000 -395000000 -159000000 -37000000 -48000000 0.0290 0.0296 0.0558 0.0592 11000000 122000000 <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below is a breakdown of the composition of the balance as of 30 June 2026 and 31 December 2025 under 'Other comprehensive income - Items not reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income' depending on the geographical origin of the issuer:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:24.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.047%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Domestic</span></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #7f160e;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Spain</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">56 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(383)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(327)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">117 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,326)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,279)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">133 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">International</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">262 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(31)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">231 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,669 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(81)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">186 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">United States</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1.00)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">America and rest of the world</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">818 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">818 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,781 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,013 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,013 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,926 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,159</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(415)</span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">744</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,602</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,158</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,408)</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(250)</span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,281</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Listed</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,022 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(58)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">964 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,328 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,033 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(49)</span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">984 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,993 </span></td><td style="border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Unlisted</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">137 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(357)</span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(220)</span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">274 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">125 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,359)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1,234)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">288 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 56000000 383000000 -327000000 117000000 47000000 1326000000 -1279000000 133000000 262000000 31000000 231000000 1669000000 75000000 81000000 -6000000 186000000 23000000 1000000 22000000 35000000 23000000 1000000.00 22000000 36000000 818000000 0 818000000 1781000000 1013000000 0 1013000000 1926000000 1159000000 415000000 744000000 3602000000 1158000000 1408000000 -250000000 2281000000 1022000000 58000000 964000000 3328000000 1033000000 49000000 984000000 1993000000 137000000 357000000 -220000000 274000000 125000000 1359000000 -1234000000 288000000 395000000 <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below is a breakdown of the composition of the balance as of 30 June 2026 and 31 December 2025 under Other comprehensive income - Items that may be reclassified to profit or loss - Changes in the fair value of debt instruments measured at fair value through other comprehensive income depending on the type of instrument:</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.606%"><tr><td style="width:1.0%"></td><td style="width:26.200%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.625%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.212%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.627%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR Million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="9" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net revaluation gains/(losses)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td><td style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="background-color:#ebebeb;border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #7f160e;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 </span></td><td style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">289 </span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(891)</span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(602)</span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">364 </span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(834)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(470)</span></td><td style="border-bottom:0.5pt solid #6f7779;border-top:0.5pt solid #6f7779;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The detail of Debt instruments depending on the geographical origin of the issuer is as follows:</span></div><div style="margin-bottom:9pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:24.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.046%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation gains</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation losses</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Net revaluation gains/(losses)</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Fair value</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation gains</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Revaluation losses</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Net revaluation gains/(losses)</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Fair value</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #7f160e;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued by public Public-sector</span></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">      Spain</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,447 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">10,142 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">      Rest of Europe </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(42)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,484 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,469 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">      America and rest of the world </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">105 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(645)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(540)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,044 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">109 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(528)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(419)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">31,685 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued by Private-sector</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">376 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rest of Europe</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,045 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">28 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,672 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">America and rest of the world</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(194)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(182)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,671 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">40 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(249)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(209)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">4,961 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">289</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(891)</span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(602)</span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,970</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">364</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(834)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(470)</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,305</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 146000000 121000000 25000000 169000000 71000000 98000000 289000000 891000000 -602000000 364000000 834000000 -470000000 90000000 0 90000000 11447000000 118000000 0 118000000 10142000000 47000000 42000000 5000000 5484000000 61000000 36000000 25000000 6469000000 105000000 645000000 -540000000 33044000000 109000000 528000000 -419000000 31685000000 8000000 5000000 3000000 279000000 8000000 6000000 2000000 376000000 27000000 5000000 22000000 4045000000 28000000 15000000 13000000 4672000000 12000000 194000000 -182000000 4671000000 40000000 249000000 -209000000 4961000000 289000000 891000000 -602000000 58970000000 364000000 834000000 -470000000 58305000000 Segment information (Primary segments)<div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Grupo Santander has aligned the information in this note with the underlying information used internally for management reporting and with that presented in Grupo Santander's other public documents.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Grupo Santander's executive committee has been selected to be its chief operating decision maker. Grupo Santander's operating segments reflect its organizational and managerial structures. Grupo Santander's executive committee reviews internal reporting based on these segments to assess performance and allocate resources.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The segments are split by global business and country in which profits are earned. Santander prepares the information by aggregating the figures for Grupo Santander’s global businesses and countries, relating it to both the accounting data of the business units integrated in each segment and that provided by management information systems. The same general principles as those used in Grupo Santander are applied.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">On 10 February 2026, the Group announced a series of changes to its reporting structure, effective from Q1 2026:</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Reporting of the Cards business within Retail &amp; Commercial Banking: the income statement and balance sheet items relating to the Cards business are reclassified to Retail (previously recorded in Payments).</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Other changes within the primary segments:</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">The Digital Consumer Bank (Consumer) business is renamed Openbank.</span></div><div style="margin-bottom:9pt;padding-left:92.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">◦</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:11.25pt">Wealth Management &amp; Insurance is reorganized into two business lines: Private Banking, which comprises the corporate private banking unit and International Private Banking in the US, Switzerland and the UAE; and Insurance &amp; Asset Management Solutions, which brings together the insurance business and liquid and illiquid asset management activities, and include the investment platforms and holdings that complement the traditional Wealth business.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">These changes do not have any impact on the reported figures at the Group or primary segment levels.</span></div><div style="margin-bottom:9pt;padding-left:17.86pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group's primary level of segmentation, comprises six reportable segments: five global businesses plus the Corporate Centre. The global businesses are: </span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Retail &amp; Commercial Banking (Retail): area that integrates the retail banking and commercial banking businesses (individuals, SMEs and corporates), except private banking clients and business originated in the consumer finance businesses.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Openbank, previously known as Digital Consumer Bank: comprises business originated by consumer finance companies, including the digital bank (formerly Openbank), Open Digital Services (ODS) and the retail business in the US.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Corporate &amp; Investment Banking (CIB): business which includes Global Transaction Banking, Global Banking (Global Debt Financing and Corporate Finance) and Global Markets business lines. Offers products and services on a global scale to corporate and institutional customers, and collaborates with other global businesses to better serve the broad customer base.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Wealth Management &amp; Insurance (Wealth): comprises two business lines: i) Private Banking, which includes the corporate private banking unit and International Private Banking in the US, Switzerland and the UAE; and ii) Insurance &amp; Asset Management Solutions, which will bring together the insurance business and liquid and illiquid asset management activities and includes the investment platforms and holdings that complement the traditional Wealth business.</span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Payment Solutions (Payments): brings together the Group’s digital payment solutions and provides global technological solutions to Group entities and new customers in the open market. It will comprise Getnet, Getnet Platforms and Ebury. </span></div><div style="margin-bottom:9pt;padding-left:56.69pt;text-align:justify;text-indent:-14.18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:10.69pt">Corporate Centre: includes the centralized activities relating to equity stakes in financial companies, financial management of the structural exchange rate position, assumed within the sphere of the Group’s asset and liability committee, as well as management of liquidity and of shareholders’ equity via issuances.</span></div><div style="margin-bottom:9pt;padding-left:20.69pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">As the Group’s holding entity, this area manages all capital and reserves and allocations of capital and liquidity with the other businesses. It also incorporates goodwill impairments but not the costs related to the Group’s central services (charged to the areas), except for corporate and institutional expenses related to the Group’s functioning.</span></div><div style="margin-bottom:9pt;padding-left:20.69pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">In accordance with the information used by the Group's executive committee for decision making, following is a distribution of the gross margin by business segment of the consolidated income statements for the six-month periods ended 30 June 2026 and 2025.</span></div><div style="margin-bottom:9pt;padding-left:20.69pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">This financial information ('underlying basis') is computed by adjusting reported results for the effects of certain gains and losses (e.g.: capital gains, write-downs, etc.). These gains and losses are items that management and investors ordinarily identify and consider separately to understand better the underlying trends in the business. </span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the reconciliation between the adjusted profit and the statutory profit corresponding to the six-month periods ended 30 June 2026 and 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:36.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.884%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.884%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.028%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.028%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.028%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.031%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total Income</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Profit before tax</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Profit</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 10.07pt;text-align:left;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Segment</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail &amp; Commercial Banking</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,135 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,202 </span></td><td style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,861 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,283 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,124 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,653 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Openbank</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,535 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,425 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,405 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,456 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">827 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,042 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate &amp; Investment Banking</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,779 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,119 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,379 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,188 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,472 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wealth Management &amp; Insurance</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,093 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,930 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,356 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,196 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,083 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">906 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Payments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">771 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">641 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate Centre</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(466)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(353)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(746)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(807)</span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(525)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(713)</span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 8.09pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><div style="margin-bottom:9pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying Profit</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">30,847</span></div></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">28,965</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">10,347</span></div></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">9,337</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">7,328</span></div></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">6,376</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 8.09pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><div style="margin-bottom:9pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">(25)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">13</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">(386)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">(233)</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">1,645</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">457</span></div></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Statutory Profit</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,822</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28,978</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,961</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,104</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,973</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,833</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Explanation of the adjustments to the statutory profit at 30 June 2026:</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">In the statutory income statement, the capital gain resulting from the completion of the Poland disposal in the first quarter of 2026 was recorded in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, said capital gain is excluded from the underlying profit. </span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">In the statutory income statement, restructuring costs associated with the TSB acquisition in the second quarter of 2026 were recorded in the 'Provisions or reversal of provisions' line item, aggregated in 'Other results and provisions'. The recorded amount, net of taxes, is EUR 250 million. However, in the underlying income statement, these costs have been excluded from underlying profit.</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">In the second quarter of 2026, a provision totalling EUR 39 million, net of tax and non-controlling interests, was recorded for or potential complaints related to motor finance dealer commissions in the UK associated with joint ventures. In the underlying income statement, this provision has been reclassified from a line item that is aggregated within ‘other operating income’, from 'tax on profit' and from 'non-controlling interests' to 'other gains (losses) and provisions', thereby recording the full amount in aggregate in a single line item.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Explanation of the adjustments to the statutory profit at 30 June 2025: </span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">In accordance with IFRS 5 requirements, in the statutory profit, results subject to the Poland disposal have been reported under the line 'Profit or loss after tax from discontinued operations' (see Note 2). However, in the underlying profit, the results from Poland have been reclassified so that they are reported line by line and disaggregated in each of the corresponding line items.</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">A capital gain of EUR 231 million at 30 June 2025, from the sale of Santander's remaining 30.5% stake in CACEIS.</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Charges of EUR 467 million at 30 June 2025 (EUR 231 million net of taxes and minority interests) after updating the macroeconomic parameters in Brazil's credit provisioning models.</span></div> 2 6 2 <div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is the reconciliation between the adjusted profit and the statutory profit corresponding to the six-month periods ended 30 June 2026 and 2025:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:36.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.884%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.884%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.028%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.028%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.028%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.031%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total Income</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Profit before tax</span></div></td><td colspan="6" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Profit</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 10.07pt;text-align:left;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Segment</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail &amp; Commercial Banking</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,135 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,202 </span></td><td style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,861 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,283 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,124 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,653 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Openbank</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,535 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,425 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,405 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,456 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">827 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,042 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate &amp; Investment Banking</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,779 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,119 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,379 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,188 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,472 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wealth Management &amp; Insurance</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,093 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,930 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,356 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,196 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,083 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">906 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Payments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">771 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">641 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate Centre</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(466)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(353)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(746)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(807)</span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(525)</span></td><td style="background-color:#ececec;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #929292;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(713)</span></td><td style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 8.09pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><div style="margin-bottom:9pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying Profit</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">30,847</span></div></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">28,965</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">10,347</span></div></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">9,337</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">7,328</span></div></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">6,376</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 8.09pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><div style="margin-bottom:9pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">(25)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">13</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">(386)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">(233)</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">1,645</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;margin-top:6pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">457</span></div></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Statutory Profit</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,822</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28,978</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,961</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,104</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,973</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,833</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 17135000000 16202000000 5861000000 5283000000 4124000000 3653000000 6535000000 6425000000 1405000000 1456000000 827000000 1042000000 4779000000 4119000000 2379000000 2188000000 1742000000 1472000000 2093000000 1930000000 1356000000 1196000000 1083000000 906000000 771000000 641000000 92000000 22000000 78000000 16000000 -466000000 -353000000 -746000000 -807000000 -525000000 -713000000 30847000000 28965000000 10347000000 9337000000 7328000000 6376000000 -25000000 13000000 -386000000 -233000000 1645000000 457000000 30822000000 28978000000 9961000000 9104000000 8973000000 6833000000 250000000 39000000 231000000 0.305 467000000 231000000 Related parties<div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The parties related to Grupo Santander are deemed to include, in addition to its subsidiaries, associates and joint ventures, Banco Santander’s key management personnel (the members of its board of directors and the executive vice presidents, together with their close family members) and the entities over which the key management personnel may exercise significant influence or control.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Following is a detail of the transactions performed by Grupo Santander with its related parties in the first six months of 2026 and 2025, distinguishing between significant shareholders, members of Banco Santander’s board of directors, Banco Santander’s executive vice presidents, Grupo Santander entities and other related parties. Related party transactions were made on terms equivalent to those that prevail in arm’s-length transactions or, when this was not the case, the related compensation in kind was recognised:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Expenses and income</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Expenses</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance costs</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchases of stocks</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expenses</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">124</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance income</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">209 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">212 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services rendered</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sale of stocks</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">781 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">782 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,006</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,010</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Other transactions</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (lender)</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">225 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (borrower)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">283 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">434 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees provided</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments acquired</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends and other distributed profit</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other transactions</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:42.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.616%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Balance closing period</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt balances:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers and commercial debtors</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits granted</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,495 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">314 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,829 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collection rights</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">348 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,828</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">329</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,177</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Credit balances:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Suppliers and creditors granted</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,109 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">217 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,339 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other payment obligations</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">179 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">179 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,288</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">217</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,518</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Expenses and income</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Expenses</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance costs</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchases of stocks</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expenses</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">111</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">114</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">221 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">225 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services rendered</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sale of stocks</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">666 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">667 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">902</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">907</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Other transactions</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (lender)</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">281 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">111 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">395 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (borrower)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(424)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(267)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees provided</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments acquired</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends and other distributed profit</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other transactions</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(204)</span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(207)</span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:42.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.616%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="15" style="background-color:#ffffff;border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Balance closing period</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt balances:</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers and commercial debtors</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits granted</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,121 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,413 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collection rights</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">391 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,491</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">295</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,804</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Credit balances:</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Suppliers and creditors granted</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,786 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">376 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,177 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other payment obligations</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,977</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">376</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,368</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> Related party transactions were made on terms equivalent to those that prevail in arm’s-length transactions or, when this was not the case, the related compensation in kind was recognised:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Expenses and income</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Expenses</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance costs</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchases of stocks</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expenses</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">124</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance income</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">209 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">212 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services rendered</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sale of stocks</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">781 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">782 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,006</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,010</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Other transactions</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (lender)</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">225 </span></td><td style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (borrower)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">283 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">434 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees provided</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments acquired</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends and other distributed profit</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other transactions</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:42.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.616%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Balance closing period</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt balances:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers and commercial debtors</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits granted</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,495 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">314 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,829 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collection rights</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">333 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">348 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,828</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">329</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,177</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Credit balances:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Suppliers and creditors granted</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits received</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,109 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">217 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,339 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other payment obligations</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">179 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">179 </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,288</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">217</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,518</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Expenses and income</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Expenses</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance costs</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchases of stocks</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expenses</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">111</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">114</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">221 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">225 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Services rendered</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sale of stocks</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">666 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">667 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">902</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">907</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.024%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.599%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.600%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Other transactions</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (lender)</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">281 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">111 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">395 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing agreements: loans and capital contributions (borrower)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(424)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(267)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees provided</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commitments acquired</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends and other distributed profit</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other transactions</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(204)</span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(207)</span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:42.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.616%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="15" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="15" style="background-color:#ffffff;border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Balance closing period</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant <br/>shareholders</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Directors and <br/>executives</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group companies <br/>or entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other related <br/>parties</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt balances:</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customers and commercial debtors</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits granted</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,121 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,413 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collection rights</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">370 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">391 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,491</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">295</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,804</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Credit balances:</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Suppliers and creditors granted</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and credits received</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,786 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">376 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,177 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other payment obligations</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">—</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,977</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">376</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,368</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 0 0 67000000 1000000 68000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 57000000 1000000 58000000 0 0 124000000 2000000 126000000 0 0 209000000 3000000 212000000 0 0 0 0 0 0 0 16000000 0 16000000 0 0 0 0 0 0 0 781000000 1000000 782000000 0 0 1006000000 4000000 1010000000 0 2000000 183000000 40000000 225000000 0 -2000000 283000000 153000000 434000000 0 0 0 -8000000 -8000000 0 0 0 0 0 0 0 40000000 14000000 54000000 0 3000000 0 23000000 26000000 0 0 -26000000 -6000000 -32000000 0 0 0 0 0 0 20000000 10495000000 314000000 10829000000 0 0 333000000 15000000 348000000 0 20000000 10828000000 329000000 11177000000 0 0 0 0 0 0 13000000 3109000000 217000000 3339000000 0 0 179000000 0 179000000 0 13000000 3288000000 217000000 3518000000 0 0 60000000 2000000 62000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51000000 1000000 52000000 0 0 111000000 3000000 114000000 0 0 221000000 4000000 225000000 0 0 0 0 0 0 0 15000000 0 15000000 0 0 0 0 0 0 0 666000000 1000000 667000000 0 0 902000000 5000000 907000000 0 3000000 281000000 111000000 395000000 0 -5000000 -424000000 162000000 -267000000 0 2000000 7000000 4000000 13000000 0 0 0 0 0 0 0 27000000 -7000000 20000000 0 3000000 0 33000000 36000000 0 0 -204000000 -3000000 -207000000 0 0 0 0 0 0 18000000 10121000000 274000000 10413000000 0 0 370000000 21000000 391000000 0 18000000 10491000000 295000000 10804000000 0 0 0 0 0 0 15000000 2786000000 376000000 3177000000 0 0 191000000 0 191000000 0 15000000 2977000000 376000000 3368000000 Off<span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;text-decoration:underline">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%;text-decoration:underline">balance-sheet exposures</span><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The off-balance-sheet exposures relate to balances representing loans commitments, financial guarantees and other commitments granted (recoverables and non recoverables).</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Financial guarantees granted include financial guarantees contracts such as financial bank guarantees, credit derivatives, and risks arising from derivatives granted to third parties; non-financial guarantees include other guarantees and irrevocable documentary credits.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Loan and other commitments granted include all off-balance-sheet exposures, which are not classified as guarantees provided, including loans commitment granted.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:66.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #cc0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loan commitments granted</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">325,379</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">321,234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">  Of which impaired</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">432 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">345 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial guarantees granted</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,449</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which impaired</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">316 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">332 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank sureties</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,455 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,437 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives sold</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other commitments granted</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">151,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">148,118</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which impaired</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">574 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">668 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other granted guarantees</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,229 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62,161 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87,327 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85,957 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The breakdown of the off-balance sheet exposure and impairment on 30 June 2026 and 31 December 2025 by impairment stages is EUR 471,257 million and EUR 464,215 million of exposure and EUR 357 million and EUR 338 million of impairment in stage 1, EUR 21,854 million and EUR 21,241 million of exposure and EUR 218 million and EUR 206 million of impairment in stage 2, and EUR 1,322 million and EUR 1,345 million of exposure and EUR 173 million and EUR 169 million of impairment in stage 3, respectively.</span></div> <div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:66.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #cc0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loan commitments granted</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">325,379</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">321,234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">  Of which impaired</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">432 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">345 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial guarantees granted</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,449</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which impaired</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">316 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">332 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank sureties</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,455 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,437 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives sold</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other commitments granted</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">151,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">148,118</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which impaired</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">574 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">668 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other granted guarantees</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,229 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62,161 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87,327 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85,957 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 325379000000 321234000000 432000000 345000000 17498000000 17449000000 316000000 332000000 17455000000 17437000000 43000000 12000000 151556000000 148118000000 574000000 668000000 64229000000 62161000000 87327000000 85957000000 471257000000 464215000000 357000000 338000000 21854000000 21241000000 218000000 206000000 1322000000 1345000000 173000000 169000000 Average headcount and number of branches<div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The average number of employees at Banco Santander and Grupo Santander, by gender, in the six-month periods ended 30 June 2026 and 2025 is as follows:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:43.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average headcount</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bank</span></td><td colspan="6" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group</span><span style="color:#990000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (*)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Men</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,493</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,913</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,638</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,530</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Women</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,121</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,451</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,173</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100,872</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,614</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,364</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">185,811</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,402</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%"> (*) As of 30 June 2025, this excludes the Group’s business sold in Poland. Including Poland, the average headcount amounted to 206,045.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The number of branches, depending on their location, as of 30 June 2026 and 31 December 2025 is as follow:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:66.802%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.877%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.021%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of branches</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain (*)</span></div></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,499</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,674</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Group (**)</span></div></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,997</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,091</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,496</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,765</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) Includes branches in Spain of the Openbank business.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(**) Excludes 359 branches from the business sold in Poland at 31 December 2025.</span></div> <div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The average number of employees at Banco Santander and Grupo Santander, by gender, in the six-month periods ended 30 June 2026 and 2025 is as follows:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:43.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average headcount</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="6" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bank</span></td><td colspan="6" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group</span><span style="color:#990000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (*)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Men</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,493</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,913</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90,638</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,530</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Women</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,121</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,451</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95,173</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100,872</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,614</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,364</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">185,811</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#dfdfdf;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,402</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%"> (*) As of 30 June 2025, this excludes the Group’s business sold in Poland. Including Poland, the average headcount amounted to 206,045.</span></div> 11493 11913 90638 94530 11121 11451 95173 100872 22614 23364 185811 195402 206045 <div style="margin-bottom:9pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The number of branches, depending on their location, as of 30 June 2026 and 31 December 2025 is as follow:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:66.802%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.877%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.021%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Number of branches</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spain (*)</span></div></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,499</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,674</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Group (**)</span></div></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,997</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,091</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,496</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,765</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) Includes branches in Spain of the Openbank business.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(**) Excludes 359 branches from the business sold in Poland at 31 December 2025.</span></div> 1499 1674 4997 5091 6496 6765 359 Other disclosures<div style="margin-bottom:9pt;margin-top:12pt;padding-left:28.35pt;padding-right:4.54pt;text-align:justify;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">a) Valuation techniques for financial assets and liabilities</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following table shows a summary of the fair values, at 30 June 2026 and 31 December 2025, of the financial assets and liabilities indicated below, classified on the basis of the various measurement methods used by Grupo Santander to determine their fair value:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.327%"><tr><td style="width:1.0%"></td><td style="width:27.056%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.188%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.043%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.463%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.785%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.882%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.339%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 1</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 2 </span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 3</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 1</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 2</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 3</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #cc0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">120,390 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158,735 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,816 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">286,941 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106,529 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139,293 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,496 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">252,318 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,647 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,413 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,998 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,058 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,407 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,465 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,889 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,761 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets designated at fair value through profit and loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,857 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,976 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,884 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,860 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,152 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,046 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,995 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,384 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,992 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,371 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,589 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,962 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,061 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,612 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives (assets)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,006 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,006 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,924 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,931 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,617 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">157,680 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">193,417 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,192 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133,490 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">864 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171,546 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43,279 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">128 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43,407 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,148 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,148 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives (liabilities)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,490 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,494 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,229 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,248 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,103 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,347 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,510 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">227 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,737 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group determines the fair value of financial instruments as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When quoted prices in active markets exist for identical instruments, those prices are used without significant adjustments. In the absence of quoted prices in active markets, fair value is estimated using valuation techniques generally accepted in the market, maximising the use of observable inputs and minimising the use of unobservable inputs.</span></div><div style="padding-left:14.17pt;text-align:justify"><span><br/></span></div><div style="padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The valuation techniques applied by the Group include, among others, discounted cash flow methods, present‑value models, option‑pricing models, techniques based on prices or spreads of comparable instruments, credit models, and simulation or stochastic‑volatility models for more complex instruments. Key inputs include interest‑rate and discount curves, inflation curves, exchange rates, spot prices, credit curves, liquidity spreads, volatilities, dividends, correlations, recovery rates, prepayment rates and other parameters relevant to the instrument being valued.</span></div><div style="padding-left:14.17pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Classifications are reviewed periodically considering, among other factors, market depth and liquidity, the frequency and dispersion of quotes, the availability of observable transactions, the extent of price corroboration from independent sources and the relevance of unobservable inputs to the measurement. Transfers between levels are recognised in accordance with the Group’s internal policies and reflect changes in input observability or their relative significance.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group has a valuation governance and control framework with segregated responsibilities. Business units are responsible for originating and managing financial products, while the independent Risk and/or Valuation functions periodically verify models, market inputs, valuation results, valuation adjustments and the fair value hierarchy classification. This framework includes new‑product approval processes, independent model validation, independent price verification, observability analysis, data‑quality controls and escalation of material issues or exceptions. </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Valuation techniques</span></div><div style="padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Valuations obtained from market prices or internal models are adjusted, where appropriate, to reflect the exit price that market participants would consider at the measurement date. These adjustments are part of the fair value measurement and are intended to incorporate risks, costs or uncertainties not fully captured by the price or the valuation technique used.</span></div><div style="padding-left:14.17pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The main valuation adjustments considered by the Group, where applicable and significant, are as follows:</span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Bid-offer and liquidity adjustments: reflect the estimated cost of closing, transferring or hedging positions, especially when the reference valuation is obtained from market mid‑prices or when market depth is limited.</span></div><div style="padding-left:13.6pt;text-align:justify;text-indent:-3.26pt"><span><br/></span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Input‑uncertainty adjustments: cover dispersion or limited observability of prices, curves, spreads, volatilities, correlations, recovery rates, prepayment rates or other parameters used in valuation.</span></div><div style="padding-left:13.6pt;text-align:justify;text-indent:-3.26pt"><span><br/></span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Model‑risk adjustments: capture the uncertainty inherent in the valuation methodology, calibration assumptions or the inability to fully replicate an instrument’s risks in the market, especially for complex products or with non‑standard optionalities.</span></div><div style="padding-left:13.6pt;text-align:justify;text-indent:-3.26pt"><span><br/></span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Counterparty credit risk adjustments (CVA): reflect the risk that the counterparty defaults before the maturity of the transactions, considering expected positive exposure, probability of default, loss severity, netting and collateral arrangements, and the applicable discount curves.</span></div><div style="padding-left:13.6pt;text-align:justify;text-indent:-3.26pt"><span><br/></span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Own credit risk adjustments on derivatives (DVA): reflect the effect of the Group’s own credit risk in the valuation of derivative liabilities, considering expected negative exposure and relevant own‑credit parameters.</span></div><div style="padding-left:13.6pt;text-align:justify;text-indent:-3.26pt"><span><br/></span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Funding adjustments (FVA/FFVA): incorporate, where applicable, the impact of funding costs or benefits associated with uncollateralised or partially collateralised components of the OTC derivatives portfolio, in line with the terms that a market participant would consider in valuation. </span></div><div style="padding-left:13.6pt;text-align:justify;text-indent:-3.26pt"><span><br/></span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Collateral and collateral‑remuneration adjustments: reflect the impact of contractual collateralisation terms, collateral remuneration and the quality of guarantees where not fully captured in the base valuation.</span></div><div style="padding-left:13.6pt;text-align:justify;text-indent:-3.26pt"><span><br/></span></div><div style="padding-left:49.6pt;text-align:justify;text-indent:-21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:17.77pt">Own‑credit risk adjustments on liabilities designated at fair value: incorporate the effect of the Group’s own credit quality on certain financial liabilities designated at fair value, in accordance with the applicable accounting framework.</span></div><div style="padding-left:13.6pt;text-indent:-3.26pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">These adjustments are calculated on bases consistent with the Group’s fair value framework and rely, to the extent possible, on observable market information. Where sufficient observable information is not available, duly documented internal estimates are used and are subject to independent validation, verification and ongoing monitoring. The materiality of adjustments and their potential impact on the classification of instruments within the fair value hierarchy are assessed periodically.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">When, on initial recognition of a financial instrument measured at fair value, differences exist between the transaction price and the valuation obtained from a model using significant unobservable inputs, such differences are recognised in accordance with the applicable accounting framework, normally deferring recognition in profit or loss until the relevant inputs become observable, cease to be significant, the position is realised, or the period during which unobservability is considered to persist has elapsed.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">As of 30 June 2026, the main adjustments recorded are as follows:</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">The CVA (Credit Valuation Adjustment) accounted for was EUR 240 million (an increase of 7.1% compared to 31 December 2025) and adjustments of DVA (Debt Valuation Adjustment) was EUR 291 million (an increase of 2.1% compared to 31 December 2025). The increase in CVA was driven by movements in credit markets and growth in certain derivatives portfolios, while the increase in DVA was mainly attributable to a modest widening of credit spreads.</span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Valuation adjustments accounted to EUR 324 million, representing an increase of 4.95% compared to 31 December 2025. These adjustments mainly reflect bid-offer spread uncertainty, the dispersion of valuation inputs among different pricing contributors and the uncertainty associated with certain valuation models. The increase reflects greater uncertainty regarding the inputs used to arrive at a fair valuation of the Group's positions.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%"> </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Set forth below are the financial instruments at fair value whose measurement was based on internal models (levels 2 and 3) at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.185%"><tr><td style="width:1.0%"></td><td style="width:20.779%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.095%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.394%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.188%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="6" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair values calculated using internal models at 30-06-2026 (*)</span></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair values calculated using internal models at 31-12-2025 (*)</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation techniques</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Main inputs</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">182,514</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20,857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">163,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">18,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">158,735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">139,293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables (**)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">84,231 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">6,529 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">67,992 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">5,185 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments<br/>       </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17,133 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">311 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14,456 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">340 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">16 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Net present value. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Market prices, Interest rates, Exchange rates, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">57,355 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">976 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">56,831 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">971 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">42,279 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">546 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39,716 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">551 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,160 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">31 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,332 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,824 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,490 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">552 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">214 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">439 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">120 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Equity prices, Volatilities, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate futures</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">774 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">177 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">10,766 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">181 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">13,677 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">222 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5,006</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">3,924</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4,736 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3,690 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">102 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">91 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">168 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">143 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,413</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,998</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,368 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">165 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,512 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">230 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,028 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,603 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">899 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,543 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Net present value. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Market prices, Interest rates, Exchange rates, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,976</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">51</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4,963 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">27</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">5,138 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">13 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">24 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">11,384</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">12,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables (***)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4,085 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">8,714 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6,124 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,902 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,296 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,005 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6,819 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">887 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">273 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">272 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Net present value. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Market prices, Interest rates, Exchange rates, Dividends</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:14.17pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.185%"><tr><td style="width:1.0%"></td><td style="width:20.779%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.095%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.394%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.188%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">224,499</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">198,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,110</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">157,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">133,490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">98,944 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">198 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">75,563 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">49,841 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">922 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">50,248 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">864 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">35,089 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">431 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">33,597 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">418 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">828 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">903 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,853 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">84 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,951 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2,352 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">188 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,094 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Equity prices, Volatilities, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate and equity futures</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">520 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">121 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Equity prices, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">9,199 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">199 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">12,582 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">8,895 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,679 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,229</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3,861 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4,191 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">629 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss (****)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">43,279</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">42,148</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Prepayment rates</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">19,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">18,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Actuarial models and present value method</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Mortality rates</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) The internal models of level 2 implement figures based on the parameters observed in the market, while level 3 internal models use significant inputs that are not observable in market data. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">(**)     Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(***) Includes mainly syndicated loans under the HTC&amp;S business model. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(****) Includes mainly short-term deposits that are managed based on their fair value.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%;text-decoration:underline">Level 3 financial instruments</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Instruments classified as Level 3 are those whose valuation incorporates significant unobservable inputs. Inclusion of an instrument in Level 3 does not necessarily imply that no observable inputs are used in its valuation; it reflects that at least one unobservable input has a significant effect on the fair value measurement of the instrument as a whole.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group’s main Level 3 instruments, together with the most relevant unobservable inputs that justify such classification, are as follows:</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Syndicated loans classified at fair value through other comprehensive income, particularly those with a held‑to‑collect and sell (HTC&amp;S) business model, for which credit spreads or certain liquidity adjustments are not directly observable in the market. In some cases the borrower’s prepayment option or the absence of representative transactional prices may be relevant.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Long‑term repo and reverse‑repo transactions classified as financial assets or liabilities held for trading, whose valuation incorporates financing, liquidity, collateral, remaining tenor or counterparty‑risk parameters that cannot always be corroborated with observable prices for equivalent transactions.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Unlisted or illiquid equity instruments, included in portfolios at fair value through profit or loss or through other comprehensive income, valued using prices of comparable transactions, net present‑value methods, multiples, fund valuations or internal price estimates, with adjustments for liquidity, transfer restrictions or parameter uncertainty.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Interest‑rate derivatives with cancellable optionality or long‑dated structures, where parameters such as volatility, curve correlations, mean reversion of interest rates, basis, liquidity or curve extensions beyond observable tenors may be significant.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Swaps linked to securitisations or other derivatives in which cash‑flow evolution depends on the performance of an underlying portfolio. In these cases, prepayment rates, early amortisation, loss severity or expected portfolio behaviour may constitute significant unobservable inputs.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Inflation derivatives, particularly when referenced to indices or tenors with limited market liquidity. Relevant inputs include forward inflation curves, inflation volatilities, seasonality and correlations with other market factors.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Equity derivatives and structured products on indices, shares or baskets, especially long‑dated or on illiquid underlyings. Key unobservable inputs may include long‑term volatilities, expected dividends, correlations between underlyings, volatility skews, liquidity discounts and strike or barrier parameters.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Foreign‑exchange or interest‑rate derivatives in certain geographies or currencies, mainly when maturities exceed the observable zone of curves, volatilities or correlations, or when local markets do not provide sufficient information for independent corroboration.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Debt instruments referenced to illiquid rates or spreads, or with contractual structures for which observable prices of comparable instruments do not exist, valued using discounted cash‑flow methods, market proxies, estimated credit curves or liquidity adjustments.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Sensitivity for Level 3 instruments is determined by considering reasonably possible changes in the significant unobservable inputs, in line with the nature of the instrument, data availability and quality, historical experience, market conditions and the Group’s prudent valuation criteria. Potential effects are presented in the corresponding tables, distinguishing between favourable and unfavourable scenarios where such information is significant.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Valuations obtained using internal models could differ if other reasonably possible methods or assumptions were applied regarding interest rates, credit spreads, liquidity, exchange rates, volatilities, correlations, dividends, prepayment rates, house‑price indices or other unobservable inputs. Nevertheless, based on the controls and procedures described, the Group considers that the fair values recognised in the consolidated balance sheet, as well as the results arising from these instruments, are reasonable and reflect the information available at the reporting date.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">During 2025 there was an increase in instruments classified as Level 3, especially in the last quarter of the year. This increase was driven by higher volumes of some of these instruments in the portfolio due to new business, with no material reclassifications detected arising from changes in market observability of valuation inputs for the remaining positions. The main increases include long‑term repo/reverse‑repo activity, illiquid equities in non‑trading portfolios and syndicated loans with an HTC&amp;S business model for which no observable market price exists under the criteria applied.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The net amount recorded in the results of the first six months of 2026 arising from models whose significant inputs are unobservable market data (level 3) amounted to a loss of EUR 22 million (loss of EUR 148 million in the first six months of 2025). </span></div><div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The table below shows the effect, at 30 June 2026 and 31 December 2025, on the fair value of the main financial instruments classified as Level 3 of a reasonable change in the assumptions used in the valuation. This effect was determined by applying the probable valuation ranges of the main unobservable inputs detailed in the following table:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:20pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market proxy</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price / Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.70)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11.70 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4.90)bps - 68.90bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7.97)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.57 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 10.00%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.06)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.11 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.97)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.90 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40.70%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.88)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.55 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.50)bps - 6.50bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.60bps</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.03)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.06 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 70%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.70)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.72 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Local volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(35.74)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.74 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 40%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.39)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.38 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Forward</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> 0% - 15%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.60%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.12)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset Swap model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.18)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.17 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.18)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.18 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INF option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.60)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.59 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4.88)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.08 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other IR derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a. - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.97)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.97 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.10bps - 69.70bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32.40bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.29)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.44 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0% - 99.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.30%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.19)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.18 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179.80bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.37)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.35 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commodity curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.0% - 90.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5.0)% - 5.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.32)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.32 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.0% - 90.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.78)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.40 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-bottom:1pt solid #990000;border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:20pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.12)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.87)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.79 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(260.30)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">260.30 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a. - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(25.34)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.26 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.6% - 7.1%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.8% - 6.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.70%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.59)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.59 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">185.7bps - 119.3bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">185.70bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.02)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.5)% - 0.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8.94)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.94 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.2% - 8.3%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.70%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00%</span></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(27.26)</span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27.26 </span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46.30%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.17)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.14 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.71)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.47 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.02)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.02 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit Spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20bps - 37bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26.20bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.11)</span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.63 </span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:28.34pt;text-align:justify;text-indent:-28.35pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">31-12-2025</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market proxy</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price / Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10.50)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.50 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 10%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.24)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.29 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount curve</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.21)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.24 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.32)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.62 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.50)bps - 6.50bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.00bps</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.38)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.52 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CCS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">146.3% - 148.3%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">147.30%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.01)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.01 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 70%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.17)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.24 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Local volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18.86)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18.86 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 40%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.50)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.49 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Forward</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 15%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.10%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.01)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.02 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset Swap model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.18)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.17 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.19)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.19 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INF option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.63)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.63 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.24)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.23 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19.6% - 127.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.10)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.84 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0% - 99.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.41 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179.8bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.48)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.47 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.64)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.64 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1% - 3%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.60%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.12)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.23)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.23 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:28.34pt;text-align:justify;text-indent:-28.35pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">31-12-2025</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.10%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.11)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.11 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(254.29)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">254.29 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.33)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.33 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate curve</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.1% - 7.2%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.6%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.3% - 6.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.25)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.25 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">121.9bps - 174.7 bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">121.9bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.60)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.3)% - 0.1%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.30)%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.70)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.54 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.4% - 5.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.50%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(27.16)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27.16 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43.80%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.09)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.07 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Options</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42.30%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.33)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.22 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1% - 99%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.40%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.38)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.40 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.4bps - 19.2bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.70bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.42)</span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.66 </span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:28.34pt;text-align:justify;text-indent:-28.35pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1. For each instrument, the valuation technique is shown, the unobservable inputs described in the "Main unobservable inputs" column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">maximum and minimum range. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">2. The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">3. The estimation of the range of variation of the unobservable inputs has been carried out taking into account plausible movements of said parameters depending on the type of instrument.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">4. Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div><div style="padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Lastly, the changes in the financial instruments classified as level 3 in the first six months of 2026 and 2025 were as follows:</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.574%"><tr><td style="width:1.0%"></td><td style="width:31.812%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.893%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.207%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.262%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.786%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:110%">01-01-2026</span></div></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Changes</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Purchases/Issuances</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Sales/Amortisation</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognized in profit or loss</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognised in equity</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Level reclassifications</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(3,714)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">190</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(148)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Central Banks</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">441 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">609 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,060 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">152 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">301 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(138)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">311 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4,592 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3,900 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(3,318)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">5,158 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">340 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">130 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(174)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">311 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">971 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(84)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">160 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(119)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">976 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">551 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(43)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(72)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">546 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">120 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">65 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">214 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">222 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(62)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">181 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">51</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(165)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,998</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">165 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">43 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">230 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,543 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(159)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,603 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,259</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(5,358)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(96)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,902 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6,108 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(5,193)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(114)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">8,714 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">887 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">145 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(161)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">57 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,005 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">272 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">273 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">18,487</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">11,387</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(9,247)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">212</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(96)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(35)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">149</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20,857</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(29)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">239</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(213)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">25</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">198 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">198 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">864 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">239 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(213)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">922 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">418 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(19)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(96)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">431 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">84 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(40)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">188 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(60)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">199 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,110</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">364</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(29)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">234</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(229)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">46</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,496</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:400;line-height:118%"> </span></div><div style="padding-left:36pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.963%"><tr><td style="width:1.0%"></td><td style="width:31.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.182%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.240%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">01-01-2025</span></div></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Changes</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Purchases/Issuances</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Sales/Amortisation</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognized in profit or loss</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognised in equity</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Level reclassifications</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(2,697)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">129</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(41)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5,477</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Central Bank</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">437 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">468 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">769 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(745)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,801 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3,484 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1,572)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3,843 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">413 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(112)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(77)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(43)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">212 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">947 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">80 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(268)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">107 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">885 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">556 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(94)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">133 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">649 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">42 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">241 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(115)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">41 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(107)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">56 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(33)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(64)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">121 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">28 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">83</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(436)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">505 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(395)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">242 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">232 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,841 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(37)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">96 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">63 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,045 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(4,918)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(98)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">85</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1,063)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,253 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">5,982 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4,703)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(72)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1,016)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,529 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,047 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">423 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(213)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,271 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">375 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(86)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">286 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">15,319</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">10,583</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(8,056)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">172</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(98)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">216</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1,155)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">16,981</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">285</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(300)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">315</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(183)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(97)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">934 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">207 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(300)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">315 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(183)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(97)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">876 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">479 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">32 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(31)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">499 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">111 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">294 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">135 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(122)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(110)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">155 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(19)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(129)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">309 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(182)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(46)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss </span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(153)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">246 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">232 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,352</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">285</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(307)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">320</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(338)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(96)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,216</span></td></tr></table></div>b) Refinancing and restructured transactions<div style="margin-bottom:9pt;padding-left:28.35pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following terms are used with the meanings specified below:</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Refinancing transaction: transaction that is granted or used, for reasons relating to current or foreseeable financial difficulties of the borrower, to repay one or more of the transactions granted to it, or through which the payments on such transactions are brought fully or partially up to date, in order to enable the borrowers of the cancelled or refinanced transactions to repay their debt (principal and interest) because they are unable, or might foreseeably become unable, to comply with the conditions thereof in due time and form.</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Restructured transaction: transaction with respect to which, for economic or legal reasons relating to current or foreseeable financial difficulties of the borrower, the financial terms and conditions are modified in order to facilitate the payment of the debt (principal and interest) because the borrower is unable, or might foreseeably become unable, to comply with the aforementioned terms and conditions in due time and form, even if such modification is envisaged in the agreement.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">For maximum guarantees amount, we will consider as follows:</span></div><div style="margin-bottom:9pt;padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Collateral: the appraisal amount or valuation amount of the collateral received; for each transaction it cannot be higher than the covered amount of exposure.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.018%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.352%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.742%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.176%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.380%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="42" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Of which: impaired</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amounts in million euros, except number of transactions in units</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Public sector</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial institutions and: individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,212</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">464</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">121</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">716</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">320</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non financial institutions and individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">573,286</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,932</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157,022</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,784</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,434</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">893</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,754</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">274,184</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,123</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">141,565</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,306</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,110</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">350</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,467</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Financing for constructions and property development</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">194</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">559</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">816</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">733</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">69</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">136</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">195</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">174</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">95</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">50</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other warehouses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,762,400</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,919</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">658,040</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,489</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,831</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,297</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,047</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,415,201</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,625</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">339,251</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,058</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,859</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,624</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,344</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,336,909</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,956</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">815,531</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,397</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,338</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,204</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,855</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,690,106</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,771</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">481,141</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,444</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,018</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,980</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,862</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.018%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.352%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.742%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.176%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.380%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="42" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Of which: impaired</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amounts in million euros, except number of transactions in units</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Public sector</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial institutions and: individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">933</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">462</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">182</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">117</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">579</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">259</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">89</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non financial institutions and individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">489,192</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,095</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,700</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,596</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,271</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">923</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,713</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">296,008</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,901</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,767</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,585</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,166</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">420</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,420</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Financing for constructions and property development</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">249</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">523</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">739</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">695</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">75</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">264</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">156</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">50</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other warehouses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,000,071</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,556</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">515,253</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,699</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,752</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,777</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,665</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,620,343</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,401</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">296,470</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,313</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,730</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,232</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,991</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,490,210</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,751</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">558,424</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,484</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,145</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,715</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,480</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,916,935</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,354</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">323,505</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,980</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,923</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,663</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,508</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,499</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">261</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,630</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">566</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">406</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">171</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,901</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">120</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,720</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">235</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">145</span></td></tr></table></div><div style="margin-bottom:9pt;margin-top:15pt;padding-left:11.34pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">c) Real estate business – Spain</span></div><div style="margin-bottom:9pt;padding-left:28.35pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">i) Portfolio of home purchase loans to families</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Home purchase loans granted to families in Spain on 30 June 2026 amounted to EUR 64,030 million (EUR 60,002 million at 31 December 2025). Of which mortgage collateral are 98.47%:</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.030%"><tr><td style="width:1.0%"></td><td style="width:27.284%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.807%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">EUR Million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: impaired</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 8.08pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home purchase loans to families</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,030 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">518 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,002 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">625 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 8.08pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">-Without mortgage collateral</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">981 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">215 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 8.08pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">- With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">63,049 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">492 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">59,787 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">618 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The risk profile of the home purchase mortgage loan portfolio in Spain remained at a medium-low level, with limited prospects of additional impairment:</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Principal is repaid on all mor</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">tgages from the start.</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Early repayment is common so the average life of the transaction is well below that of the contract.</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">High quality of collateral concentrated almost exclusively in financing the first home.</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">Average a</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">ffordability rate at the end of June stood at 22.5%.</span></div><div style="margin-bottom:9pt;padding-left:49.6pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">•</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%;padding-left:14.51pt">95% of the portfolio has a LTV below 80%, calcula</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">ted a</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">s total risk/latest available house appraisal.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:39.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.330%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount in books on the amount of the last appraisal (loan to value)</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 40% or less than 60%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 60% and less than 80%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 80% and less or equal to 100%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">More than 100%</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross amount</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,826 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,061 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,703 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,940 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">519 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">63,049 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">108 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">136 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">116 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">61 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">71 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">492 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:39.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.042%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.330%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount in books on the amount of the last appraisal (loan to value)</span></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Less than or equal to 40%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 40% or less than 60%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 60% and less than 80%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">More than 80% and less or equal to 100%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">More than 100%</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross amount</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,191 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,310 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,811 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,812 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">663 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,787 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: impaired</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">122 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">158 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">151 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">84 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">103 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">618 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">ii) Financing construction and property development</span></div><div style="margin-bottom:9pt;padding-left:42.51pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 30 June 2026 and 31 December 2025 the financing amount related to construction and real estate business in Spain amounted to EUR 3,157 million and EUR 2,967 million net of allowances, respectively.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:62.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.187%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Excess of gross exposure over maximum recoverable amount of effective collateral</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing for construction and property development recognised by the Group's credit institutions (including land) (business in Spain)</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,172 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: watchlist/ impaired</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Memorandum items: Written-off assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">232 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:62.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.187%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Excess over collateral value</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing for construction and property development recognised by the Group's credit institutions (including land) (business in Spain)</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,984 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">211 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: watchlist/ impaired</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Memorandum items: Written-off assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:64.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.187%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Carrying amount</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Memorandum items:</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances to customers excluding the public sector (business in Spain) (book value)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">249,522 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240,609 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total consolidated assets (Total business) (book value)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,954,465 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,867,515 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment losses and provision for exposure classified as normal (business in Spain)</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,037 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,086 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:7.08pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At the end 30 June 2026 and 31 December 2025 the concentration of this portfolio was as follows:</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:7.08pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:55.989%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.081%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.081%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.449%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30-06-2026</span></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31-12-2025</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Loans: Gross amount</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1. Without mortgage collateral</span></div></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2. With mortgage collateral</span></div></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,157 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,970 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1 Completed buildings</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,092 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">976 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1.1 Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">658 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1.2 Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">318 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.2 Buildings and other constructions under construction</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,053 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,981 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.2.1 Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,953 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,913 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.2.2 Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.3 Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.3.1 Developed consolidated land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.3.2 Other land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,172</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,984</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:15pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">d) Foreclosed real estate assets</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following table shows the breakdown at 30 June 2026 and 31 December 2025 of the foreclosed assets for the Spanish business:</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:52.118%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.210%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.486%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Gross carrying amount</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Accumulated impairment losses</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:110%">Of which: Impairment losses since time of the foreclosure</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Carrying amount</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,705 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,047 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,520 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,658 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Completed Buildings</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">439 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">310 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">271 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">129 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">114 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">57 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">325 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">243 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">214 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Buildings under construction</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">161 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">48 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">161 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">48 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,105 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,675 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,201 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,430 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Developed Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">663 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">366 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">215 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">297 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,442 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,309 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">986 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,133 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets from home purchase mortgage loans to households</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">322 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreclosed property assets</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total property assets</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,101</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,259</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,672</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,842</span></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:52.118%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.210%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.486%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Gross carrying amount</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Accumulated impairment losses</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:110%">Of which: Impairment losses since time of the foreclosure</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Carrying amount</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,843 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,144 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,591 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,699 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Completed Buildings</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">481 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">324 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">282 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">157 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">129 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">352 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">222 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Buildings under construction</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">107 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">107 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,255 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,771 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,274 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,484 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Developed Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">776 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">429 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">260 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">347 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,479 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,342 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,014 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,137 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets from home purchase mortgage loans to households</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">334 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreclosed property assets</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total property assets</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,258</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,360</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,746</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,898</span></td></tr></table></div><div style="margin-bottom:9pt;margin-top:15pt;padding-left:7.09pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Additionally, Grupo Santander holds a stake in entities holding real estate assets foreclosed or received in payment of debts for an amount of EUR 22 million and capital instruments foreclosed or received in payment of debts for an amount of EUR 9 million.</span></div><div style="margin-bottom:9pt;margin-top:12pt;padding-left:17.86pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:700;line-height:118%">e) Solvency information</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The Group commands a solvency position above the levels required by regulators and by the European Central Bank. At 30 June 2026, at a consolidated level, the Group must maintain a minimum capital ratio of 9.83% of CET1 phase-in, applying the transitional CRR provision (4.50% being the requirement for Pillar I, 0.98% being the requirement for Pillar II, 2.50% being the requirement for capital conservation buffer, 1.25% being the requirement for systemically important institutions, 0.55% being the requirement for anti-cyclical capital buffer and 0.06% being the requirement for systemic risk requirement).</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Grupo Santander must also maintain a minimum capital ratio of 11.66% of Tier 1 phase-in and a minimum total ratio of 14.09% phase-in.</span></div><div style="margin-bottom:10pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 30 June 2026, the Group has a capital ratio regulatory CET1 of 14.02% and a total ratio of 18.77%.</span></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">Capital ratio</span></div><div style="margin-bottom:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:63.807%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.446%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.447%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Capital ratio</span></div></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 ordinary eligible capital (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,447</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">84,739</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 additional eligible capital (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,226</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,645</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 2 eligible capital (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,076</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,460</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risk-weighted assets (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">616,803</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">629,430</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 ordinary capital coefficient (CET 1)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14.02%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13.46%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 additional capital coefficient (AT1)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.66%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.53%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 capital coefficient (TIER1)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15.67%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15.00%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 2 capital coefficient (TIER 2)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.09%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.77%</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total capital coefficient</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18.77%</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17.77%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">Leverage</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:63.807%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.446%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.447%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Leverage</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 capital (EUR million)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96,673</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,385</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exposure (EUR million)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,010,681</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,924,349</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Leverage ratio</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.81%</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.90%</span></td></tr></table></div> <div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following table shows a summary of the fair values, at 30 June 2026 and 31 December 2025, of the financial assets and liabilities indicated below, classified on the basis of the various measurement methods used by Grupo Santander to determine their fair value:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.327%"><tr><td style="width:1.0%"></td><td style="width:27.056%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.188%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.043%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.463%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.785%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.882%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.339%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="12" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 1</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 2 </span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 3</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 1</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 2</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Level 3</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #cc0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">120,390 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158,735 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,816 </span></td><td style="background-color:#ececec;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">286,941 </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106,529 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139,293 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,496 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">252,318 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,647 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,413 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,998 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,058 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,407 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,465 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,889 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,761 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets designated at fair value through profit and loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,857 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,976 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,884 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,860 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,152 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,046 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,995 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,384 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,992 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,371 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,589 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,962 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,061 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,612 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives (assets)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,006 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,006 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,924 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,931 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,617 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">157,680 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">193,417 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,192 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133,490 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">864 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171,546 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43,279 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">128 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43,407 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,148 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,148 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging derivatives (liabilities)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,490 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,494 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,229 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,248 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,103 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,347 </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,510 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">227 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,737 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 120390000000 158735000000 7816000000 286941000000 106529000000 139293000000 6496000000 252318000000 2647000000 2413000000 2998000000 8058000000 2407000000 2465000000 2889000000 7761000000 2857000000 4976000000 51000000 7884000000 2860000000 5152000000 34000000 8046000000 53995000000 11384000000 9992000000 75371000000 52589000000 12962000000 9061000000 74612000000 5006000000 0 5006000000 3924000000 7000000 3931000000 34617000000 157680000000 1120000000 193417000000 37192000000 133490000000 864000000 171546000000 43279000000 128000000 43407000000 42148000000 0 42148000000 4490000000 4000000 4494000000 4229000000 19000000 4248000000 19103000000 244000000 19347000000 18510000000 227000000 18737000000 240000000 0.071 291000000 0.021 324000000 0.0495 <div style="margin-bottom:9pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Set forth below are the financial instruments at fair value whose measurement was based on internal models (levels 2 and 3) at 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.185%"><tr><td style="width:1.0%"></td><td style="width:20.779%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.095%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.394%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.188%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="6" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair values calculated using internal models at 30-06-2026 (*)</span></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair values calculated using internal models at 31-12-2025 (*)</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation techniques</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Main inputs</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">ASSETS</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">182,514</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20,857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">163,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">18,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">158,735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">139,293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables (**)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">84,231 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">6,529 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">67,992 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">5,185 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments<br/>       </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17,133 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">311 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14,456 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">340 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">16 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Net present value. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Market prices, Interest rates, Exchange rates, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">57,355 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">976 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">56,831 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">971 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">42,279 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">546 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39,716 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">551 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,160 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">31 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,332 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,824 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,490 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">552 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">214 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">439 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">120 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Equity prices, Volatilities, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate futures</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">774 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">177 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">10,766 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">181 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">13,677 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">222 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5,006</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">3,924</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4,736 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3,690 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">102 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">91 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">168 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">143 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,413</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,998</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables </span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,368 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">165 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,512 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">230 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,028 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,603 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">899 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,543 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Net present value. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Market prices, Interest rates, Exchange rates, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,976</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">51</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4,963 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">27</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">5,138 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">13 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">24 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">11,384</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">12,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and receivables (***)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4,085 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">8,714 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6,124 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,902 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,296 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,005 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6,819 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">887 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">273 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">272 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Net present value. Prices observed in inactive markets or for similar assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Market prices, Interest rates, Exchange rates, Dividends</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:14.17pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.185%"><tr><td style="width:1.0%"></td><td style="width:20.779%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.948%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.095%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.394%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.188%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">LIABILITIES</span></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">224,499</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">198,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,110</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">157,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">133,490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">98,944 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">198 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">75,563 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Exchange rates, Credit spreads</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">49,841 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">922 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">50,248 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">864 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">35,089 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">431 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">33,597 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">418 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">828 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">903 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,853 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">84 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,951 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2,352 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">188 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1,094 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Equity prices, Volatilities, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate and equity futures</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">520 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">121 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Equity prices, Dividends</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">9,199 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">199 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">12,582 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Short positions</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">8,895 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,679 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,229</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3,861 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4,191 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Cash flow discounting</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Black-Scholes, SABR and LGM models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Volatilities, Correlations, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">629 </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method, advanced stochastic volatility models. Multifactor models</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate, Exchange rates, Credit spreads, Volatilities, Correlations, Liquidity, Prepayment rates, Recovery rates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss (****)</span></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">43,279</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">42,148</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Credit spreads, Prepayment rates</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">19,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ececec;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">18,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Actuarial models and present value method</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rates, Mortality rates</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(*) The internal models of level 2 implement figures based on the parameters observed in the market, while level 3 internal models use significant inputs that are not observable in market data. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:118%">(**)     Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(***) Includes mainly syndicated loans under the HTC&amp;S business model. </span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:14.17pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">(****) Includes mainly short-term deposits that are managed based on their fair value.</span></div> 182514000000 20857000000 163796000000 18487000000 158735000000 7816000000 139293000000 6496000000 84231000000 6529000000 67992000000 5185000000 17133000000 311000000 14456000000 340000000 16000000 0 14000000 0 57355000000 976000000 56831000000 971000000 42279000000 546000000 39716000000 551000000 1160000000 31000000 1332000000 39000000 1824000000 1000000 1490000000 39000000 552000000 214000000 439000000 120000000 774000000 3000000 177000000 0 10766000000 181000000 13677000000 222000000 5006000000 0 3924000000 7000000 4736000000 0 3690000000 7000000 102000000 0 91000000 0 168000000 0 143000000 0 2413000000 2998000000 2465000000 2889000000 1368000000 165000000 1512000000 171000000 17000000 230000000 54000000 175000000 1028000000 2603000000 899000000 2543000000 4976000000 51000000 5152000000 34000000 4963000000 27000000 5138000000 14000000 13000000 24000000 14000000 20000000 11384000000 9992000000 12962000000 9061000000 4085000000 8714000000 6124000000 7902000000 7296000000 1005000000 6819000000 887000000 3000000 273000000 19000000 272000000 224499000000 1496000000 198377000000 1110000000 157680000000 1120000000 133490000000 864000000 98944000000 198000000 75563000000 0 49841000000 922000000 50248000000 864000000 35089000000 431000000 33597000000 418000000 828000000 17000000 903000000 34000000 1853000000 84000000 1951000000 95000000 2352000000 188000000 1094000000 151000000 520000000 3000000 121000000 0 9199000000 199000000 12582000000 166000000 8895000000 0 7679000000 0 4490000000 4000000 4229000000 19000000 3861000000 4000000 4191000000 19000000 0 0 0 0 629000000 0 38000000 0 43279000000 128000000 42148000000 0 19103000000 244000000 18510000000 227000000 -22000000 -148000000 <div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The table below shows the effect, at 30 June 2026 and 31 December 2025, on the fair value of the main financial instruments classified as Level 3 of a reasonable change in the assumptions used in the valuation. This effect was determined by applying the probable valuation ranges of the main unobservable inputs detailed in the following table:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:20pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market proxy</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price / Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.70)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11.70 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4.90)bps - 68.90bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7.97)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.57 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 10.00%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.06)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.11 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.97)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.90 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40.70%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.88)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.55 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.50)bps - 6.50bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.60bps</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.03)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.06 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 70%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.70)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.72 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Local volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(35.74)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.74 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 40%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.39)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.38 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Forward</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> 0% - 15%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.60%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.12)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset Swap model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.18)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.17 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.18)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.18 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INF option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.60)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.59 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4.88)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.08 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other IR derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a. - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.97)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.97 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.10bps - 69.70bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32.40bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.29)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.44 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0% - 99.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.30%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.19)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.18 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179.80bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.37)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.35 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commodity curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.0% - 90.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5.0)% - 5.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.32)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.32 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.0% - 90.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.78)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.40 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:20pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-bottom:1pt solid #990000;border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:20pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.12)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.87)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.79 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(260.30)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">260.30 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a. - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(25.34)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.26 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate curve</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.6% - 7.1%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.8% - 6.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.70%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.59)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.59 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">185.7bps - 119.3bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">185.70bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.02)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.5)% - 0.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8.94)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.94 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.2% - 8.3%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.70%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#929292;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00%</span></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(27.26)</span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27.26 </span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46.30%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.17)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.14 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.71)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.47 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.02)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.02 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit Spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20bps - 37bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26.20bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.11)</span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.63 </span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:28.34pt;text-align:justify;text-indent:-28.35pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">31-12-2025</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market proxy</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price / Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10.50)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.50 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 10%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.24)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.29 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount curve</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.21)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.24 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.32)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.62 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.50)bps - 6.50bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.00bps</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.38)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.52 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CCS</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">146.3% - 148.3%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">147.30%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.01)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.01 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 70%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.17)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.24 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">EQ Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Local volatility</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18.86)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18.86 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx Options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fx option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 40%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.50)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.49 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Forward</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 15%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.10%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.01)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.02 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset Swap model</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.18)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.17 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.80%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.19)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.19 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IR Options</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">INF option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 30%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.90%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.63)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.63 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.24)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.23 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19.6% - 127.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.50%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.10)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.84 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0% - 99.0%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.41 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179.8bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.48)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.47 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.64)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.64 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1% - 3%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.60%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.12)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Black Scholes model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.23)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.23 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:28.34pt;text-align:justify;text-indent:-28.35pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.213%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.845%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.221%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">31-12-2025</span></div></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #990000;padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Portfolio/Instrument</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Valuation technique</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Range</span></div></td><td colspan="3" rowspan="2" style="background-color:#ffffff;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Weighted average</span></div></td><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Impacts (EUR million)</span></div></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">(Level 3)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Unfavourable scenario</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Favourable scenario</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.10%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)% - 5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.11)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.11 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(254.29)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">254.29 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.33)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.33 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate curve</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.1% - 7.2%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.6%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.3% - 6.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.25)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.25 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">121.9bps - 174.7 bps</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">121.9bps</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.60)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market price</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.3)% - 0.1%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.30)%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.70)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.54 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.4% - 5.5%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.50%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90% - 110%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(27.16)</span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27.16 </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 2.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43.80%</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.09)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.07 </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">FX Options</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42.30%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.33)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.22 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1% - 99%</span></div></td><td colspan="3" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50.40%</span></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.38)</span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.40 </span></td><td style="border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.4bps - 19.2bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.70bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.42)</span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.66 </span></td><td style="border-bottom:0.5pt solid #9c9c9c;border-top:0.5pt solid #9c9c9c;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:28.34pt;text-align:justify;text-indent:-28.35pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">1. For each instrument, the valuation technique is shown, the unobservable inputs described in the "Main unobservable inputs" column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">maximum and minimum range. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">2. The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">3. The estimation of the range of variation of the unobservable inputs has been carried out taking into account plausible movements of said parameters depending on the type of instrument.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">4. Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div> 11700000 11700000 -0.000490 0.006890 0.00 7970000 570000 0 0.1000 0.0510 2060000.00 2110000 0 0.08 0.0400 9970000 9900000 0.10 0.90 0.4070 880000 550000 -0.000650 0.000650 0.000260 30000.00 60000.00 0 0.70 0.3550 700000 720000 0.10 0.90 0.5000 35740000 35740000 0 0.40 0.1980 390000 380000 0 0.15 0.0760 120000 120000 0.02 0.08 0.0490 180000 170000 0 0.30 0.1480 180000 180000 0 0.30 0.1490 600000 590000 0.05 4880000 3080000.00 970000 970000 0.000910 0.006970 0.003240 2290000 1440000 0.010 0.990 0.3530 2190000 1180000 0.0060 0.0300 0.017980 3370000 3350000 0.100 0.900 0.1000 0.00 0.00 -0.050 0.050 0.0000 2320000 2320000 0.100 0.900 0.5400 11780000 14400000 -0.05 0.05 0.0000 120000 120000 0 0.08 0.04 3870000 3790000 -0.05 0.05 0 0 0 0.90 1.10 1 260300000 260300000 25340000 9260000 0.046 0.071 0.0580 0.00 0.00 0.028 0.065 0.0470 590000 590000 0.01857 0.01193 0.018570 20000.00 0.00 -0.005 0.005 0.0000 8940000 8940000 0.032 0.083 0.0570 0.00 0.00 0.90 1.10 1.0000 27260000 27260000 0.10 0.90 0.4630 170000 140000 0.10 0.90 0.4190 710000 470000 0.10 0.90 0.46 20000.00 20000.00 0.0020 0.0037 0.002620 1110000 630000 10500000 10500000 0 0.10 0.0510 2240000 2290000 0 0.08 0.0400 9210000 9240000 0.10 0.90 0.3550 1320000 620000 -0.000650 0.000650 0.000100 380000 520000 1.463 1.483 1.4730 10000.00 10000.00 0 0.70 0.4050 170000 240000 0.10 0.90 0.5000 18860000 18860000 0 0.40 0.1980 500000 490000 0 0.15 0.0810 10000.00 20000.00 0.02 0.08 0.0490 180000 170000 0 0.30 0.1480 190000 190000 0 0.30 0.1490 630000 630000 0.05 11240000 8230000 0.196 1.275 0.5050 2100000 840000 0.010 0.990 0.9900 0 1410000 0.0060 0.0300 0.01798 3480000 3470000 -0.05 0.05 0.0000 2640000 2640000 0.10 0.90 0.5000 0 0 0.001 0.03 0.0160 120000 120000 -0.05 0.05 0.0000 230000 230000 0 0.08 0.0410 0 0 -0.05 0.05 0.0000 110000 110000 0.90 1.10 1.0000 254290000 254290000 2330000 2330000 0.061 0.072 0.066 0 0.00 0.033 0.065 0.05 250000 250000 0.01219 0.01747 0.01219 1600000 0 -0.003 0.001 -0.0030 2700000 540000 0.034 0.055 0.0450 0 0 0.90 1.10 1.0000 27160000 27160000 0.10 0.90 0.4380 90000.00 70000.00 0.10 0.90 0.4230 330000 220000 0.01 0.99 0.5040 1380000 1400000 0.00084 0.00192 0.001070 2420000 660000 <div style="padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Lastly, the changes in the financial instruments classified as level 3 in the first six months of 2026 and 2025 were as follows:</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:36pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.574%"><tr><td style="width:1.0%"></td><td style="width:31.812%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.893%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.524%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.417%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.207%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.262%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.786%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:110%">01-01-2026</span></div></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Changes</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Purchases/Issuances</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Sales/Amortisation</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognized in profit or loss</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognised in equity</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Level reclassifications</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(3,714)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">190</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(148)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Central Banks</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">441 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">609 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,060 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">152 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">301 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(138)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">311 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4,592 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3,900 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(3,318)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">5,158 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">340 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">130 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(174)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">311 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">971 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(84)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">160 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(119)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">976 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">551 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(43)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(72)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">546 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">120 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">65 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">214 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">222 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(62)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">181 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">51</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(165)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,998</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">165 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">43 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">230 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,543 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(159)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,603 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,259</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(5,358)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(96)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,902 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6,108 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(5,193)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(114)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">8,714 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">887 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">145 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(161)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">57 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,005 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">272 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">273 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">18,487</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">11,387</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(9,247)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">212</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(96)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(35)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">149</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20,857</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(29)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">239</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(213)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">25</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">198 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">198 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">864 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">239 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(213)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">922 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">418 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(19)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(96)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">431 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">84 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(40)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">188 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(60)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">199 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,110</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">364</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(29)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">234</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(229)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">46</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,496</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:400;line-height:118%"> </span></div><div style="padding-left:36pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.963%"><tr><td style="width:1.0%"></td><td style="width:31.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.182%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.172%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.240%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">01-01-2025</span></div></td><td colspan="18" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Changes</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Purchases/Issuances</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Sales/Amortisation</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognized in profit or loss</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Changes in fair value recognised in equity</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Level reclassifications</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Other</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Fair value calculated using internal models (Level 3)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets held for trading</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">4,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(2,697)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">129</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(41)</span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">5,477</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Central Bank</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">437 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">468 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">769 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(745)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,801 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3,484 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1,572)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3,843 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">413 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(112)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(77)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(43)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">212 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">947 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">80 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(268)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">107 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">885 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">556 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(94)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">133 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">649 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">42 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">241 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(115)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">41 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(107)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">56 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(33)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(64)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">121 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">28 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">83</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(436)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">2,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">505 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(395)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">242 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">232 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,841 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(37)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">96 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">63 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">2,045 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">6,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(4,918)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(98)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">85</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1,063)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">9,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,253 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">5,982 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(4,703)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(72)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1,016)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">7,529 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,047 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">423 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(213)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1,271 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">375 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(86)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">286 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL ASSETS</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">15,319</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">10,583</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(8,056)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">172</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(98)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">216</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(1,155)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">16,981</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">285</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(300)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">315</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(183)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(97)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">934 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">207 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(300)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">315 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(183)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(97)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">876 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">479 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">32 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(31)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">499 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">111 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Index and securities options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">294 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">135 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(122)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(110)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">155 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Exchange rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(19)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(129)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">309 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(182)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(46)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 37pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">Interest rate options</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-style:italic;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Financial liabilities designated at fair value through profit or loss </span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(153)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">246 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%">232 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">TOTAL LIABILITIES</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,352</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">285</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(307)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">320</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">—</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(338)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">(96)</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:120%">1,216</span></td></tr></table></div> 6496000000 4962000000 3714000000 190000000 0 148000000 30000000 7816000000 441000000 609000000 0 10000000 0 0 0 1060000000 152000000 301000000 138000000 -4000000 0 0 0 311000000 4592000000 3900000000 3318000000 25000000 0 41000000 0 5158000000 340000000 130000000 174000000 -1000000 0 12000000 4000000 311000000 971000000 22000000 84000000 160000000 0 119000000 26000000 976000000 551000000 22000000 43000000 86000000 0 72000000 2000000 546000000 39000000 0 0 3000000 0 14000000 3000000 31000000 39000000 0 38000000 0 0 0 0 1000000 120000000 0 2000000 65000000 0 29000000 2000000 214000000 0 0 0 3000000 0 0 0 3000000 222000000 0 1000000 3000000 0 62000000 19000000 181000000 7000000 0 0 -3000000 0 9000000 5000000 0 7000000 0 0 -3000000 0 9000000 5000000 0 34000000 15000000 10000000 10000000 0 0 2000000 51000000 14000000 3000000 0 10000000 0 0 0 27000000 20000000 12000000 10000000 0 0 0 2000000 24000000 2889000000 151000000 165000000 15000000 0 58000000 50000000 2998000000 171000000 2000000 0 -47000000 0 27000000 12000000 165000000 175000000 43000000 6000000 -5000000 0 1000000 22000000 230000000 2543000000 106000000 159000000 67000000 0 30000000 16000000 2603000000 9061000000 6259000000 5358000000 0 -96000000 64000000 62000000 9992000000 7902000000 6108000000 5193000000 0 -114000000 4000000 7000000 8714000000 887000000 145000000 161000000 0 17000000 60000000 57000000 1005000000 272000000 6000000 4000000 0 1000000 0 -2000000 273000000 18487000000 11387000000 9247000000 212000000 -96000000 35000000 149000000 20857000000 864000000 234000000 29000000 239000000 0 213000000 25000000 1120000000 0 198000000 0 0 0 0 0 198000000 0 0 0 0 0 0 0 0 864000000 36000000 29000000 239000000 0 213000000 25000000 922000000 418000000 36000000 19000000 82000000 0 96000000 10000000 431000000 34000000 0 0 -9000000 0 10000000 2000000 17000000 95000000 0 3000000 -1000000 0 7000000 0 84000000 151000000 0 2000000 79000000 0 40000000 0 188000000 0 0 0 3000000 0 0 0 3000000 166000000 0 5000000 85000000 0 60000000 13000000 199000000 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68000000 -64000000 121000000 20000000 3000000 5000000 7000000 0 0 -11000000 14000000 20000000 3000000 5000000 7000000 0 0 -11000000 14000000 106000000 0 0 -11000000 0 0 -50000000 45000000 20000000 0 0 -3000000 0 0 0 17000000 86000000 0 0 -8000000 0 0 -50000000 28000000 2588000000 83000000 436000000 112000000 0 2000000 10000000 2359000000 505000000 0 395000000 0 0 0 -28000000 82000000 242000000 1000000 4000000 16000000 0 2000000 -25000000 232000000 1841000000 82000000 37000000 96000000 0 0 63000000 2045000000 8675000000 6405000000 4918000000 0 -98000000 85000000 -1063000000 9086000000 7253000000 5982000000 4703000000 0 -72000000 85000000 -1016000000 7529000000 1047000000 423000000 213000000 0 -25000000 0 39000000 1271000000 375000000 0 2000000 0 -1000000 0 -86000000 286000000 15319000000 10583000000 8056000000 172000000 -98000000 216000000 -1155000000 16981000000 934000000 285000000 300000000 315000000 0 183000000 -97000000 954000000 0 26000000 0 0 0 0 0 26000000 0 52000000 0 0 0 0 0 52000000 934000000 207000000 300000000 315000000 0 183000000 -97000000 876000000 479000000 32000000 27000000 37000000 0 9000000 -31000000 499000000 79000000 2000000 1000000 2000000 0 18000000 47000000 111000000 294000000 135000000 122000000 -36000000 0 6000000 -110000000 155000000 0 5000000 2000000 -26000000 0 14000000 24000000 15000000 0 0 19000000 29000000 0 0 19000000 29000000 82000000 33000000 129000000 309000000 0 182000000 -46000000 67000000 12000000 0 0 20000000 0 2000000 0 30000000 12000000 0 0 20000000 0 2000000 -1000000 29000000 1000000 1000000 160000000 0 7000000 0 0 153000000 0 0 246000000 0 0 -15000000 0 0 1000000 232000000 1352000000 285000000 307000000 320000000 0 338000000 -96000000 1216000000 <div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.018%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.352%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.742%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.176%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.380%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="42" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Of which: impaired</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amounts in million euros, except number of transactions in units</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Public sector</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial institutions and: individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,212</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">464</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">121</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">716</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">320</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non financial institutions and individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">573,286</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,932</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157,022</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,784</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,434</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">893</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,754</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">274,184</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,123</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">141,565</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,306</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,110</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">350</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,467</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Financing for constructions and property development</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">194</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">559</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">816</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">733</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">69</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">136</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">195</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">174</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">95</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">50</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other warehouses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,762,400</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,919</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">658,040</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,489</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,831</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,297</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,047</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,415,201</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,625</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">339,251</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,058</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,859</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,624</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,344</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,336,909</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,956</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">815,531</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,397</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,338</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,204</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,855</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,690,106</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,771</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">481,141</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,444</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,018</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,980</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,862</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.972%"><tr><td style="width:1.0%"></td><td style="width:13.018%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.352%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.742%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.176%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.255%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.644%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.380%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="42" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="21" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Of which: impaired</span></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Without collateral</span></td><td colspan="12" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amounts in million euros, except number of transactions in units</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of transactions</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number of operations</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mortgage collateral</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other collateral</span></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit entities</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Public sector</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">—</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial institutions and: individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">933</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">462</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">182</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">117</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">94</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">579</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">259</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">89</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non financial institutions and individual shareholder</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">489,192</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,095</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,700</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,596</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,271</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">923</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,713</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">296,008</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,901</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,767</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,585</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,166</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">420</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,420</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Of which: Financing for constructions and property development</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">249</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">21</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">523</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">739</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">695</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">75</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">167</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">264</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">156</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">115</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">50</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other warehouses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,000,071</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,556</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">515,253</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,699</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,752</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,777</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,665</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,620,343</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,401</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">296,470</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,313</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,730</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,232</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,991</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,490,210</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,751</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">558,424</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,484</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,145</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,715</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,480</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,916,935</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,354</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">323,505</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,980</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,923</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,663</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,508</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,499</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">261</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,630</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">566</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">406</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">171</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,901</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">120</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,720</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">235</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:120%">145</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Home purchase loans granted to families in Spain on 30 June 2026 amounted to EUR 64,030 million (EUR 60,002 million at 31 December 2025). Of which mortgage collateral are 98.47%:</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.030%"><tr><td style="width:1.0%"></td><td style="width:27.284%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.807%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">EUR Million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: impaired</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross Amount</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 8.08pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home purchase loans to families</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,030 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">518 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,002 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">625 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 8.08pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">-Without mortgage collateral</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">981 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">215 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 8.08pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">- With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">63,049 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">492 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">59,787 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">618 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:42.51pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">At 30 June 2026 and 31 December 2025 the financing amount related to construction and real estate business in Spain amounted to EUR 3,157 million and EUR 2,967 million net of allowances, respectively.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:62.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.187%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Excess of gross exposure over maximum recoverable amount of effective collateral</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing for construction and property development recognised by the Group's credit institutions (including land) (business in Spain)</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,172 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: watchlist/ impaired</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Memorandum items: Written-off assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">232 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:62.757%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.471%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.187%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross amount</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Excess over collateral value</span></td><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financing for construction and property development recognised by the Group's credit institutions (including land) (business in Spain)</span></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,984 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">211 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #990000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which: watchlist/ impaired</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Memorandum items: Written-off assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.885%"><tr><td style="width:1.0%"></td><td style="width:64.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.185%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.187%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="6" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Carrying amount</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Memorandum items:</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances to customers excluding the public sector (business in Spain) (book value)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">249,522 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240,609 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total consolidated assets (Total business) (book value)</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,954,465 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,867,515 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment losses and provision for exposure classified as normal (business in Spain)</span></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,037 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,086 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following table shows the breakdown at 30 June 2026 and 31 December 2025 of the foreclosed assets for the Spanish business:</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:52.118%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.210%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.486%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Gross carrying amount</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Accumulated impairment losses</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:110%">Of which: Impairment losses since time of the foreclosure</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Carrying amount</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,705 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,047 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,520 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,658 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Completed Buildings</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">439 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">310 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">271 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">129 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">114 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">57 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">325 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">243 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">214 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Buildings under construction</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">161 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">48 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">161 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">48 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,105 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,675 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,201 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,430 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Developed Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">663 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">366 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">215 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">297 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,442 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,309 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">986 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,133 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets from home purchase mortgage loans to households</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">322 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreclosed property assets</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total property assets</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,101</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,259</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,672</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,842</span></td></tr></table></div><div style="margin-bottom:9pt;margin-top:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.743%"><tr><td style="width:1.0%"></td><td style="width:52.118%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.915%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.771%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.210%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.486%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">EUR Million</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Gross carrying amount</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Accumulated impairment losses</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:110%">Of which: Impairment losses since time of the foreclosure</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Carrying amount</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,843 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,144 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,591 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,699 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Completed Buildings</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">481 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">324 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">282 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">157 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">129 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">352 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">222 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Buildings under construction</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">107 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Residential</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">107 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,255 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,771 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,274 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,484 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Developed Land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">776 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">429 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">260 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">347 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other land</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,479 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,342 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,014 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,137 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property assets from home purchase mortgage loans to households</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">334 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreclosed property assets</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total property assets</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,258</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,360</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,746</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,898</span></td></tr></table></div> 0 0 0 0 0 0 0 0 0 0 0 0 0 0 11 5000000 5 3000000 2000000 0 3000000 5 0 5 3000000 2000000 0 3000000 1212 100000000 464 121000000 71000000 14000000 51000000 716 23000000 320 77000000 47000000 6000000 48000000 573286 5932000000 157022 5784000000 3434000000 893000000 2754000000 274184 3123000000 141565 2306000000 1110000000 350000000 2467000000 194 3000000 559 816000000 733000000 1000000 69000000 136 2000000 195 174000000 95000000 1000000 50000000 2762400 4919000000 658040 10489000000 3831000000 4297000000 4047000000 1415201 2625000000 339251 6058000000 1859000000 2624000000 3344000000 3336909 10956000000 815531 16397000000 7338000000 5204000000 6855000000 1690106 5771000000 481141 8444000000 3018000000 2980000000 5862000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 14 6000000 9 7000000 5000000 0 8000000 5 2000000 9 7000000 5000000 0 8000000 933 94000000 462 182000000 117000000 15000000 94000000 579 50000000 259 75000000 22000000 11000000 89000000 489192 5095000000 42700 5596000000 3271000000 923000000 2713000000 296008 2901000000 26767 2585000000 1166000000 420000000 2420000000 249 21000000 523 739000000 695000000 4000000 75000000 167 3000000 264 156000000 115000000 4000000 50000000 3000071 4556000000 515253 9699000000 3752000000 3777000000 3665000000 1620343 2401000000 296470 5313000000 1730000000 2232000000 2991000000 3490210 9751000000 558424 15484000000 7145000000 4715000000 6480000000 1916935 5354000000 323505 7980000000 2923000000 2663000000 5508000000 13499 261000000 4630 566000000 406000000 14000000 171000000 6901 120000000 1720 235000000 110000000 5000000 145000000 64030000000 60002000000 0.9847 64030000000 518000000 60002000000 625000000 981000000 26000000 215000000 7000000 63049000000 492000000 59787000000 618000000 0.225 0.95 0.80 17826000000 21061000000 20703000000 2940000000 519000000 63049000000 108000000 136000000 116000000 61000000 71000000 492000000 17191000000 20310000000 18811000000 2812000000 663000000 59787000000 122000000 158000000 151000000 84000000 103000000 618000000 3157000000 2967000000 3172000000 98000000 -15000000 17000000 0 -8000000 232000000 2984000000 211000000 -17000000 31000000 0 -11000000 240000000 249522000000 240609000000 1954465000000 1867515000000 -1037000000 -1086000000 15000000 14000000 3157000000 2970000000 1092000000 976000000 982000000 658000000 110000000 318000000 2053000000 1981000000 1953000000 1913000000 100000000 68000000 12000000 13000000 9000000 9000000 3000000 4000000 3172000000 2984000000 3705000000 2047000000 1520000000 1658000000 439000000 310000000 271000000 129000000 114000000 67000000 57000000 47000000 325000000 243000000 214000000 82000000 161000000 62000000 48000000 99000000 0 0 0 0 161000000 62000000 48000000 99000000 3105000000 1675000000 1201000000 1430000000 663000000 366000000 215000000 297000000 2442000000 1309000000 986000000 1133000000 322000000 171000000 118000000 151000000 74000000 41000000 34000000 33000000 4101000000 2259000000 1672000000 1842000000 3843000000 2144000000 1591000000 1699000000 481000000 324000000 282000000 157000000 129000000 71000000 60000000 58000000 352000000 253000000 222000000 99000000 107000000 49000000 35000000 58000000 0 0 0 0 107000000 49000000 35000000 58000000 3255000000 1771000000 1274000000 1484000000 776000000 429000000 260000000 347000000 2479000000 1342000000 1014000000 1137000000 334000000 172000000 119000000 162000000 81000000 44000000 36000000 37000000 4258000000 2360000000 1746000000 1898000000 22000000 9000000 0.0983 0.0450 0.0098 0.0250 0.0125 0.0055 0.0006 0.1166 0.1409 0.1402 0.1877 <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">Capital ratio</span></div><div style="margin-bottom:10pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:63.807%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.446%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.447%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Capital ratio</span></div></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 ordinary eligible capital (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,447</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">84,739</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 additional eligible capital (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,226</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,645</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 2 eligible capital (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,076</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,460</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risk-weighted assets (million euros)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">616,803</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">629,430</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 ordinary capital coefficient (CET 1)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14.02%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13.46%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 additional capital coefficient (AT1)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.66%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.53%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 capital coefficient (TIER1)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15.67%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15.00%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 2 capital coefficient (TIER 2)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.09%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.77%</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total capital coefficient</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18.77%</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17.77%</span></td></tr></table></div> 86447000000 84739000000 10226000000 9645000000 19076000000 17460000000 616803000000 629430000000 0.1402 0.1346 0.0166 0.0153 0.1567 0.1500 0.0309 0.0277 0.1877 0.1777 <div style="margin-bottom:9pt;padding-left:28.35pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:118%">Leverage</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:63.807%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.446%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.447%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30-06-2026</span></div></td><td colspan="3" style="border-top:0.5pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31-12-2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #990000;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Leverage</span></td><td colspan="3" style="background-color:#ececec;border-top:1pt solid #990000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #990000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 capital (EUR million)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96,673</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,385</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exposure (EUR million)</span></td><td colspan="3" style="background-color:#ececec;border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,010,681</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,924,349</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Leverage ratio</span></td><td colspan="3" style="background-color:#ebebeb;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.81%</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 7pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.90%</span></td></tr></table></div> 96673000000 94385000000 2010681000000 1924349000000 0.0481 0.0490 Additional disclosure requirements<div style="margin-bottom:12pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">This note includes relevant information about additional disclosure requirements.</span></div><div style="margin-bottom:12pt;padding-left:45pt;text-align:justify;text-indent:-22.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">17.1    Parent company financial statements</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below are the summarised unaudited condensed balance sheets of Banco Santander, S.A. as of 30 June 2026 and 31 December 2025. In the financial information of the Parent, investments in subsidiaries, jointly controlled entities and associates are recorded at cost. As of 31 December 2025 we reclassified the assets associated with the businesses held for sale in Poland from 'Investment in affiliated companies' to 'Non-current assets held for sale' under the 'Other assets' item. See note 2 above.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.034%"><tr><td style="width:1.0%"></td><td style="width:69.020%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.963%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.451%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.963%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.552%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED BALANCE SHEETS</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31 December 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and due from banks</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126,198 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144,292 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">14,622 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11,517 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading account assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184,891 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154,939 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,138 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">91,217 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">12,994 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13,607 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,639 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,697 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net Loans and leases</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">354,613 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">323,253 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23,115 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23,340 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment in affiliated companies</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101,780 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98,317 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">74,510 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">71,796 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">27,270 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">26,521 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premises and equipment, net</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,728 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,825 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,790 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,941 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">897,138</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">836,784</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">419,537 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">415,898 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">10,856 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8,773 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">31,748 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">26,412 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,032 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">129,462 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Long-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118,829 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">114,756 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">290,860 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244,218 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,281 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,994 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,374 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,363 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101,657 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,325 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">812,055</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">754,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital stock</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,345 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,345 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retained earnings and other reserves</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">77,739 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,998 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82,343</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities and Stockholders’ Equity</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">897,138</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">836,784</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:12pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below are the summarised unaudited condensed statements of income of Banco Santander, S.A. for the periods ended 30 June 2026 and 2025. Results associated with the businesses held for sale in Poland have been reclassified to 'Income/(charges) after tax from discontinued operations' for both periods. See note 2 above.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.606%"><tr><td style="width:1.0%"></td><td style="width:67.225%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.006%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.117%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.157%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.157%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.418%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.161%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED STATEMENTS OF INCOME</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(EUR million)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #dbdbdb;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,054 </span></td><td style="border-top:1pt solid #dbdbdb;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #dbdbdb;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,769 </span></td><td style="border-top:1pt solid #dbdbdb;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest from earning assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,368 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,900 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends from affiliated companies</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,686 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,869 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,263 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,394 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">423 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">475 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,122)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,344)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest income / (charges)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,425</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(666)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(606)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest income / (charges) after provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,265</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,819</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-interest income:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,179 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,292 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-interest expense:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,264)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,852)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income before income taxes</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,180</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,259</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense or income from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(597)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(524)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income/ (charges) for the period from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,583</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income/ (charges) after tax from discontinued operations</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,043 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">856 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net income</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,626</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,591</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:12pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below are the summarised unaudited condensed statements of comprehensive income of Banco Santander, S.A. for the periods ended 30 June 2026 and 2025.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.748%"><tr><td style="width:1.0%"></td><td style="width:67.424%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.158%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED STATEMENTS OF</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">COMPREHENSIVE INCOME (Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">NET INCOME</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,626</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">OTHER COMPREHENSIVE INCOME </span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">224</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that may be reclassified subsequently to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">90</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging instruments (items not designated)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(43)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedges:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">103 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(65)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(62)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to initial carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedges of net investments in foreign operations:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(114)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(114)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(291)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(291)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets held for sale</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income tax</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that will not be reclassified to profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">186</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains/(losses) on pension plans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(44)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income tax relating to items that will not be reclassified</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL COMPREHENSIVE INCOME</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,752</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,815</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below are the summarised unaudited condensed cash flow statements of Banco Santander, S.A. for the periods ended 30 June 2026 and 2025.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.748%"><tr><td style="width:1.0%"></td><td style="width:67.424%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.158%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED CASH FLOW STATEMENTS</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1. Cash flows from operating activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consolidated profit</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,626 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,591 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments to profit</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,243)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,254 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net increase/decrease in operating assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(81,200)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15,128)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net increase/decrease in operating liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,603 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,812 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reimbursements/payments of income tax</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(133)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">926 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net cash flows from operating activities (1)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(24,347)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,545)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2. Cash flows from investing activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments (-)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,446)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,334)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Divestments (+)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,999 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,186 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net cash flows from investment activities (2)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,553</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,852</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3. Cash flows from financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuance of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposal of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">549 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">316 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,350)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,903)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuance of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,327 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">305 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redemption of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,212)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,802)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,801)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,643)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuance/Redemption of equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collections/payments related to financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(68)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(144)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net cash flows from financing activities (3)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,555)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6,871)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4. Effect of exchange rate changes on cash and cash equivalents (4)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,070)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5. Net increase/decrease in cash and cash equivalents (1+2+3+4)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22,670)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,634)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents at beginning of period</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,786</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97,457</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents at end of period</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,116</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:12pt;padding-left:45pt;text-align:justify;text-indent:-22.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:118%">17.2    Preference Shares and Preferred Securities</span></div><div style="margin-bottom:12pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following table shows the balance of the preference shares and preferred securities as of 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.897%"><tr><td style="width:1.0%"></td><td style="width:53.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.487%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.488%"></td><td style="width:0.1%"></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31 December 2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Preference shares</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">201 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Preferred securities</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,912 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,103 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total at period-end</span></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,116</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,304</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Both preference shares and preferred securities are recorded under the “Financial liabilities at amortized cost – Subordinated Liabilities” caption in the consolidated balance sheet as of 30 June 2026 and 31 December 2025.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Preference shares include the financial instruments issued by the consolidated companies which, although equity for legal purposes, do not meet the requirements for classification as equity in the financial statements. These shares do not carry any voting rights and are non-cumulative.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Preference shares include non-cumulative preferred non-voting shares issued by Santander UK plc.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Preferred securities include non-cumulative preferred non-voting securities issued by Banco Santander, S.A.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">For the purposes of payment priority, preferred securities are junior to all general creditors and to subordinated deposits. The payment of dividends on these securities, which have no voting rights, is conditional upon obtaining sufficient distributable profit and upon the limits imposed by Spanish banking regulations on equity.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Preference shares and preferred securities are perpetual securities and there is no obligation that requires the Group to redeem them. All securities have been fully subscribed by third parties outside the Group.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;padding-right:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Santander Finance Preferred, S.A. (Unipersonal), issuer of registered securities guaranteed by Banco Santander, S.A. until November 2017, merged on that date with Banco Santander, S.A.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">For further information, see note 23.c. to our consolidated financial statements in Part 1 of our Annual Report on Form 20-F for the year ended 31 December 2025 filed with the SEC on 27 February 2026, as superseded by the information and the audited financial statements included in the Form 6-K filed with the SEC on 1 April 2026, and note 9.b. to our consolidated financial statements in Part 1 of this report.</span></div><div style="margin-bottom:9pt;padding-left:20.25pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:10.12pt;padding-right:10.12pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.323%"><tr><td style="width:1.0%"></td><td style="width:34.603%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.274%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.937%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.838%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.272%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.495%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Outstanding at 30 June 2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Amount in</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Preference Shares</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Interest rate</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Redemption</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Issuer/Date of issue</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">(million)</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Option (A)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander UK plc, October 1995</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pounds Sterling</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80.3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.375 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No option</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander UK plc, February 1996</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pounds Sterling</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80.3 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.375 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No option</span></td></tr></table></div><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.041%"><tr><td style="width:1.0%"></td><td style="width:36.560%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.105%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.874%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.105%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.105%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.803%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.605%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="21" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Outstanding at 30 June 2026</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Amount in</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Preferred Securities</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Interest rate</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Maturity date</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Issuer/Date of issue</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">(million)</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">298.3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.75 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(B)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">750.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.125 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(C)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., September 2021</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.625 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(D)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,150.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.625 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(E)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,349.9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.625 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(F)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., May 2024</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,500.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.00 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(G)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., August 2024</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,499.8 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.00 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(H)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., July 2025</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,500.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.00 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(I)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., June 2026</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,497.4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(J)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Finance Preferred, S.A. (Unipersonal), September 2004</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">143.7 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">€CMS 10 +0.05% subject to a maximum distribution of 8% per annum</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">A.From these dates the issuer can redeem the shares, subject to prior authorization by the national supervisor.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">B.Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.750% interest rate is set for the first six years, revised every 5 years thereafter by applying a margin of 375.3 basis points over the 5-year UST rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">C.Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.125% interest rate is set for the first seven years, revised every 5 years thereafter by applying a margin of 431.1 basis points over the applicable 5-year Euro Mid-Swap Rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">D.Payment is subject to certain conditions and to the discretion of Banco Santander. The 3.625% interest rate is set for the first eight years, revised every 5 years thereafter by applying a margin of 376 basis points over the 5-year Mid-Swap Rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">E.Payment is subject to certain conditions and to th</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">e discretion of Banco Santander. The 9.625% interest rate is set for the first five years and six months, revised every 5 years thereafter by applying a margin of 530.6 basis points on the 5-year UST rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">F.Payment is subject to certain conditions and to the discretion of Banco Santander. The 9.625% interest rate is set for the first ten years, revised every 5 years thereafter by applying a margin of 529.8 basis points on the 5-year UST rate.</span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">G.Payment is subject to certain conditions and to the discretion of Banco Santander. The 7.00% interest rate is set for the first six years, revised every 5 years thereafter by applying a margin of 443.2 basis points on the 5-year Mid-Swap rate.</span></div><div style="padding-left:35.43pt"><span><br/></span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">H.Payment is subject to certain conditions and to the discretion of Banco Santander. The 8.00% interest rate is set for the first ten years, revised every 5 years thereafter by applying a margin of 391.1 basis points on the 5-year Mid-Swap rate.</span></div><div style="padding-left:35.43pt"><span><br/></span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">I.Payment is subject to certain conditions and to the discretion of Banco Santander. The 6.00% interest rate is set for the first six years, revised every 5 years thereafter by applying a margin of 381.9 basis points on the 5-year Mid-Swap rate.</span></div><div style="padding-left:35.43pt"><span><br/></span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">J.Payment is subject to certain conditions and to the discretion of Banco Santander. The 7.25% interest rate is set for the first ten years, revised every 5 years thereafter by applying a margin of 283.7 basis points on the 5-year UST rate.</span></div> <div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.034%"><tr><td style="width:1.0%"></td><td style="width:69.020%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.151%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.963%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.451%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.963%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.552%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED BALANCE SHEETS</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31 December 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and due from banks</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126,198 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144,292 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">14,622 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">11,517 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading account assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184,891 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154,939 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,138 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">91,217 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">12,994 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">13,607 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,639 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,697 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net Loans and leases</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">354,613 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">323,253 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23,115 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">23,340 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment in affiliated companies</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101,780 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98,317 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">74,510 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">71,796 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">27,270 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">26,521 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premises and equipment, net</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,728 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,825 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,790 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,941 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">897,138</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">836,784</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">419,537 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">415,898 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">10,856 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">8,773 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">31,748 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">26,412 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,032 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">129,462 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Long-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118,829 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">114,756 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total debt</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">290,860 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244,218 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">6,281 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">3,994 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,374 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">1,363 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101,657 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94,325 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">812,055</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">754,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital stock</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,345 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,345 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retained earnings and other reserves</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">77,739 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,998 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82,343</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities and Stockholders’ Equity</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">897,138</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">836,784</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div> 126198000000 144292000000 14622000000 11517000000 184891000000 154939000000 109138000000 91217000000 12994000000 13607000000 1639000000 1697000000 354613000000 323253000000 23115000000 23340000000 101780000000 98317000000 74510000000 71796000000 27270000000 26521000000 5728000000 5825000000 14790000000 18941000000 897138000000 836784000000 419537000000 415898000000 10856000000 8773000000 31748000000 26412000000 172032000000 129462000000 118829000000 114756000000 290860000000 244218000000 6281000000 3994000000 1374000000 1363000000 101657000000 94325000000 812055000000 754441000000 7345000000 7345000000 77739000000 74998000000 85084000000 82343000000 897138000000 836784000000 <div style="margin-bottom:12pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below are the summarised unaudited condensed statements of income of Banco Santander, S.A. for the periods ended 30 June 2026 and 2025. Results associated with the businesses held for sale in Poland have been reclassified to 'Income/(charges) after tax from discontinued operations' for both periods. See note 2 above.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.606%"><tr><td style="width:1.0%"></td><td style="width:67.225%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.006%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.117%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.157%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.157%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.418%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.161%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED STATEMENTS OF INCOME</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:bottom"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(EUR million)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #dbdbdb;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,054 </span></td><td style="border-top:1pt solid #dbdbdb;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #dbdbdb;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #dbdbdb;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,769 </span></td><td style="border-top:1pt solid #dbdbdb;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest from earning assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,368 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,900 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends from affiliated companies</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,686 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,869 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,263 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">2,394 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">From non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">423 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">475 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,122)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,344)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest income / (charges)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,425</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(666)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(606)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest income / (charges) after provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,265</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,819</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-interest income:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,179 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,292 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-interest expense:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,264)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,852)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income before income taxes</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,180</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,259</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense or income from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(597)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(524)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income/ (charges) for the period from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,583</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income/ (charges) after tax from discontinued operations</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,043 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">856 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:justify;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net income</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,626</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,591</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div> 16054000000 15769000000 13368000000 12900000000 2686000000 2869000000 2263000000 2394000000 423000000 475000000 9122000000 9344000000 6932000000 6425000000 666000000 606000000 6265000000 5819000000 3179000000 3292000000 4264000000 3852000000 5180000000 5259000000 597000000 524000000 4583000000 4735000000 4043000000 856000000 8626000000 5591000000 <div style="margin-bottom:12pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below are the summarised unaudited condensed statements of comprehensive income of Banco Santander, S.A. for the periods ended 30 June 2026 and 2025.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.748%"><tr><td style="width:1.0%"></td><td style="width:67.424%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.158%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED STATEMENTS OF</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">COMPREHENSIVE INCOME (Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">NET INCOME</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,626</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">OTHER COMPREHENSIVE INCOME </span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">224</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that may be reclassified subsequently to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">90</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging instruments (items not designated)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(43)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedges:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">103 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(65)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(62)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to initial carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedges of net investments in foreign operations:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(114)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(114)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(291)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(291)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets held for sale</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income tax</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Items that will not be reclassified to profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">186</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains/(losses) on pension plans</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(44)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income tax relating to items that will not be reclassified</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TOTAL COMPREHENSIVE INCOME</span></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,752</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,815</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div> 8626000000 5591000000 126000000 224000000 90000000 38000000 0 0 0 0 0 0 0 0 -43000000 70000000 -27000000 6000000 16000000 -64000000 0 0 103000000 -65000000 94000000 -62000000 -9000000 3000000 0 0 0 0 -114000000 280000000 -114000000 280000000 0 0 0 0 119000000 -291000000 119000000 -291000000 0 0 0 0 0 0 -25000000 -44000000 37000000 186000000 0 24000000 0 0 25000000 144000000 0 0 44000000 -95000000 -44000000 95000000 17000000 40000000 5000000 22000000 8752000000 5815000000 <div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">Below are the summarised unaudited condensed cash flow statements of Banco Santander, S.A. for the periods ended 30 June 2026 and 2025.</span></div><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.748%"><tr><td style="width:1.0%"></td><td style="width:67.424%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.155%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.004%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.400%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.158%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">UNAUDITED CONDENSED CASH FLOW STATEMENTS</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">Six months ended</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(Parent company only)</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2025</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1. Cash flows from operating activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consolidated profit</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,626 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,591 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments to profit</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,243)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,254 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net increase/decrease in operating assets</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(81,200)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15,128)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net increase/decrease in operating liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53,603 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,812 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reimbursements/payments of income tax</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(133)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">926 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net cash flows from operating activities (1)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(24,347)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,545)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2. Cash flows from investing activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments (-)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,446)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,334)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Divestments (+)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,999 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,186 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net cash flows from investment activities (2)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,553</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,852</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3. Cash flows from financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuance of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposal of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">549 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">316 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,350)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,903)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuance of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,327 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">305 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redemption of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,212)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,802)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,801)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,643)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuance/Redemption of equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">— </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other collections/payments related to financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(68)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(144)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total net cash flows from financing activities (3)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,555)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6,871)</span></td><td style="border-top:0.5pt solid #000;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4. Effect of exchange rate changes on cash and cash equivalents (4)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,070)</span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5. Net increase/decrease in cash and cash equivalents (1+2+3+4)</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22,670)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,634)</span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents at beginning of period</span></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,786</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97,457</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents at end of period</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,116</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div> 8626000000 5591000000 -5243000000 1254000000 -81200000000 -15128000000 53603000000 3812000000 133000000 -926000000 -24347000000 -3545000000 3446000000 1334000000 9999000000 4186000000 6553000000 2852000000 0 0 549000000 316000000 4350000000 1903000000 2327000000 305000000 2212000000 3802000000 1801000000 1643000000 0 0 -68000000 -144000000 -5555000000 -6871000000 680000000 -4070000000 -22670000000 -11634000000 74786000000 97457000000 52116000000 85823000000 <div style="margin-bottom:12pt;padding-left:20.25pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">The following table shows the balance of the preference shares and preferred securities as of 30 June 2026 and 31 December 2025:</span></div><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.897%"><tr><td style="width:1.0%"></td><td style="width:53.979%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.487%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.488%"></td><td style="width:0.1%"></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">30 June 2026</span></div></td><td colspan="3" style="border-bottom:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #bf2115;border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">31 December 2025</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:110%">(EUR million)</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Preference shares</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">201 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Preferred securities</span></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,912 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,103 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total at period-end</span></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,116</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,304</span><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #ee2724;border-top:1pt solid #ee2724;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"></td></tr></table></div> 204000000 201000000 9912000000 10103000000 10116000000 10304000000 <div style="margin-bottom:9pt;padding-left:10.12pt;padding-right:10.12pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.323%"><tr><td style="width:1.0%"></td><td style="width:34.603%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.274%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.937%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.838%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.272%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.495%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Outstanding at 30 June 2026</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Amount in</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Preference Shares</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Interest rate</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Redemption</span></div></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Issuer/Date of issue</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">(million)</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Option (A)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander UK plc, October 1995</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pounds Sterling</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80.3</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #bf2115;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.375 </span></td><td style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No option</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander UK plc, February 1996</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pounds Sterling</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80.3 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.375 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No option</span></td></tr></table></div><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.041%"><tr><td style="width:1.0%"></td><td style="width:36.560%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.105%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.874%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.105%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.105%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.803%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.803%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.605%"></td><td style="width:0.1%"></td></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="21" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Outstanding at 30 June 2026</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Amount in</span></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Preferred Securities</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Interest rate</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Maturity date</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Issuer/Date of issue</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">Currency</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:2.62pt 1pt 1.5pt 1pt;text-align:center;text-indent:-9.07pt;vertical-align:bottom"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9.69pt;font-weight:700;line-height:110%">(million)</span></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt;text-indent:-9.07pt"><div style="margin-bottom:9pt;text-align:center;text-indent:-9.07pt"></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #bf2115;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">298.3 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.75 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(B)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">750.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.125 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(C)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., September 2021</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.625 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(D)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,150.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.625 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(E)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,349.9 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.625 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(F)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., May 2024</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,500.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.00 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(G)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., August 2024</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,499.8 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.00 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(H)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., July 2025</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,500.0 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.00 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(I)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banco Santander, S.A., June 2026</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,497.4 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.25 </span></td><td style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(J)</span></td><td colspan="3" style="border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Santander Finance Preferred, S.A. (Unipersonal), September 2004</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro</span></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 0 1.5pt 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">143.7 </span></td><td style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">€CMS 10 +0.05% subject to a maximum distribution of 8% per annum</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #b3b3b3;border-top:0.5pt solid #b3b3b3;padding:2.62pt 1pt 1.5pt 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Perpetuity</span></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">A.From these dates the issuer can redeem the shares, subject to prior authorization by the national supervisor.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">B.Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.750% interest rate is set for the first six years, revised every 5 years thereafter by applying a margin of 375.3 basis points over the 5-year UST rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">C.Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.125% interest rate is set for the first seven years, revised every 5 years thereafter by applying a margin of 431.1 basis points over the applicable 5-year Euro Mid-Swap Rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">D.Payment is subject to certain conditions and to the discretion of Banco Santander. The 3.625% interest rate is set for the first eight years, revised every 5 years thereafter by applying a margin of 376 basis points over the 5-year Mid-Swap Rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:118%">E.Payment is subject to certain conditions and to th</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">e discretion of Banco Santander. The 9.625% interest rate is set for the first five years and six months, revised every 5 years thereafter by applying a margin of 530.6 basis points on the 5-year UST rate.</span></div><div style="margin-bottom:9pt;padding-left:35.43pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">F.Payment is subject to certain conditions and to the discretion of Banco Santander. The 9.625% interest rate is set for the first ten years, revised every 5 years thereafter by applying a margin of 529.8 basis points on the 5-year UST rate.</span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">G.Payment is subject to certain conditions and to the discretion of Banco Santander. The 7.00% interest rate is set for the first six years, revised every 5 years thereafter by applying a margin of 443.2 basis points on the 5-year Mid-Swap rate.</span></div><div style="padding-left:35.43pt"><span><br/></span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">H.Payment is subject to certain conditions and to the discretion of Banco Santander. The 8.00% interest rate is set for the first ten years, revised every 5 years thereafter by applying a margin of 391.1 basis points on the 5-year Mid-Swap rate.</span></div><div style="padding-left:35.43pt"><span><br/></span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">I.Payment is subject to certain conditions and to the discretion of Banco Santander. The 6.00% interest rate is set for the first six years, revised every 5 years thereafter by applying a margin of 381.9 basis points on the 5-year Mid-Swap rate.</span></div><div style="padding-left:35.43pt"><span><br/></span></div><div style="padding-left:35.43pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:118%">J.Payment is subject to certain conditions and to the discretion of Banco Santander. The 7.25% interest rate is set for the first ten years, revised every 5 years thereafter by applying a margin of 283.7 basis points on the 5-year UST rate.</span></div> 80300000 0.10375 80300000 0.10375 298300000 0.0475 750000000.0 0.04125 1000000000 0.03625 1150000000 0.09625 1349900000 0.09625 1500000000 0.0700 1499800000 0.0800 1500000000 0.0600 1497400000 0.0725 143700000 0.0005 0.08 0.04750 P6Y P5Y 0.03753 P5Y 0.04125 P7Y P5Y 0.04311 P5Y 0.03625 P8Y P5Y 0.0376 P5Y 0.09625 P5Y 0.05306 P5Y 0.09625 P10Y P5Y 0.05298 P5Y 0.0700 P6Y P5Y 0.04432 P5Y 0.0800 P10Y P5Y 0.03911 P5Y 0.0600 P6Y P5Y 0.03819 P5Y 0.0725 P10Y P5Y 0.02837 P5Y Includes -EUR 364 million at 30 June 2026 (-EUR 299 million at 30 June 2025) derived from the net monetary loss generated in Argentina as a result of the application of IAS 29 Financial reporting in hyperinflationary economies.